Call reports 2005
COMMUNITY BANK — 2005
What 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 | 63,250,000 | 62,627,000 | 63,533,000 | 63,458,000 |
| Total loans | 47,910,000 | 47,456,000 | 50,580,000 | 52,555,000 |
| Allowance for loan losses | 647,000 | 646,000 | 665,000 | 675,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,366,000 | 55,888,000 | 57,132,000 | 57,029,000 |
| Interest-bearing deposits | 33,404,000 | 34,676,000 | 34,069,000 | 35,850,000 |
| Noninterest-bearing deposits | 20,962,000 | 21,212,000 | 23,063,000 | 21,179,000 |
| Equity capital | 4,495,000 | 4,626,000 | 4,764,000 | 4,744,000 |
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 | 892,000 | 1,819,000 | 2,772,000 | 3,785,000 |
| Interest expense | 119,000 | 248,000 | 380,000 | 536,000 |
| Net interest income | 773,000 | 1,571,000 | 2,392,000 | 3,249,000 |
| Noninterest income | 263,000 | 531,000 | 820,000 | 1,075,000 |
| Noninterest expense | 649,000 | 1,311,000 | 2,003,000 | 2,823,000 |
| Provision for loan losses | 0 | 8,000 | 27,000 | 47,000 |
| Pretax income | 387,000 | 783,000 | 1,182,000 | 1,454,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 387,000 | 783,000 | 1,182,000 | 1,454,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,495,000 | 4,626,000 | 4,764,000 | 4,744,000 |
| Total capital | 5,000,000 | 5,128,000 | 5,293,000 | 5,294,000 |
| Risk-weighted assets | 40,146,000 | 40,059,000 | 42,209,000 | 43,652,000 |