Call reports 2005
COMMUNITY BANKING COMPANY — 2005
What COMMUNITY BANKING COMPANY 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 | 86,061,000 | 84,637,000 | 88,134,000 | 87,274,000 |
| Total loans | 54,180,000 | 56,329,000 | 57,022,000 | 55,254,000 |
| Allowance for loan losses | 917,000 | 1,004,000 | 1,060,000 | 1,078,000 |
| Securities available for sale | 6,092,000 | 6,558,000 | 7,452,000 | 9,244,000 |
| Securities held to maturity | 9,505,000 | 9,354,000 | 8,037,000 | 6,900,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,805,000 | 74,269,000 | 77,424,000 | 76,261,000 |
| Interest-bearing deposits | 66,007,000 | 64,888,000 | 67,118,000 | 66,457,000 |
| Noninterest-bearing deposits | 9,798,000 | 9,381,000 | 10,306,000 | 9,804,000 |
| Equity capital | 9,866,000 | 9,952,000 | 10,207,000 | 10,444,000 |
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 | 1,090,000 | 2,253,000 | 3,502,000 | 4,819,000 |
| Interest expense | 319,000 | 664,000 | 1,041,000 | 1,451,000 |
| Net interest income | 771,000 | 1,589,000 | 2,461,000 | 3,368,000 |
| Noninterest income | 161,000 | 307,000 | 485,000 | 650,000 |
| Noninterest expense | 590,000 | 1,176,000 | 1,767,000 | 2,348,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 282,000 | 600,000 | 999,000 | 1,430,000 |
| Income tax | 91,000 | 195,000 | 327,000 | 469,000 |
| Net income | 191,000 | 405,000 | 672,000 | 961,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,242,000 | 8,307,000 | 8,574,000 | 8,838,000 |
| Total capital | 8,955,000 | 9,043,000 | 9,324,000 | 9,570,000 |
| Risk-weighted assets | 56,798,000 | 58,597,000 | 59,668,000 | 58,179,000 |