Call reports 2005
BENCHMARK COMMUNITY BANK — 2005
What BENCHMARK COMMUNITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 302,897,000 | 296,365,000 | 298,979,000 | 297,921,000 |
| Total loans | 236,828,000 | 249,846,000 | 246,588,000 | 249,504,000 |
| Allowance for loan losses | 1,933,000 | 2,004,000 | 2,070,000 | 2,064,000 |
| Securities available for sale | 23,850,000 | 23,503,000 | 22,825,000 | 21,597,000 |
| Securities held to maturity | 500,000 | 500,000 | 500,000 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 276,803,000 | 262,456,000 | 270,676,000 | 265,318,000 |
| Interest-bearing deposits | 235,303,000 | 221,760,000 | 232,434,000 | 227,585,000 |
| Noninterest-bearing deposits | 41,500,000 | 40,696,000 | 38,242,000 | 37,733,000 |
| Equity capital | 23,862,000 | 24,806,000 | 25,909,000 | 26,807,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 4,332,000 | 8,868,000 | 13,597,000 | 18,376,000 |
| Interest expense | 1,429,000 | 2,908,000 | 4,522,000 | 6,209,000 |
| Net interest income | 2,903,000 | 5,960,000 | 9,075,000 | 12,167,000 |
| Noninterest income | 392,000 | 759,000 | 1,167,000 | 1,559,000 |
| Noninterest expense | 1,993,000 | 4,122,000 | 5,975,000 | 7,976,000 |
| Provision for loan losses | 12,000 | 103,000 | 182,000 | 243,000 |
| Pretax income | 1,297,000 | 2,506,000 | 4,097,000 | 5,529,000 |
| Income tax | 357,000 | 704,000 | 1,184,000 | 1,556,000 |
| Net income | 940,000 | 1,802,000 | 2,913,000 | 3,973,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,118,000 | 23,976,000 | 25,038,000 | 25,831,000 |
| Total capital | 25,051,000 | 25,980,000 | 27,108,000 | 27,895,000 |
| Risk-weighted assets | 216,860,000 | 226,238,000 | 224,816,000 | 226,984,000 |