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 | 540,704,000 | 529,404,000 | 563,425,000 | 564,639,000 |
| Total loans | 307,620,000 | 321,817,000 | 336,881,000 | 340,219,000 |
| Allowance for loan losses | 4,589,000 | 4,503,000 | 4,806,000 | 4,736,000 |
| Securities available for sale | 146,188,000 | 125,327,000 | 137,509,000 | 132,288,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 447,335,000 | 437,219,000 | 442,489,000 | 443,226,000 |
| Interest-bearing deposits | 382,001,000 | 372,328,000 | 367,865,000 | 370,385,000 |
| Noninterest-bearing deposits | 65,334,000 | 64,891,000 | 74,624,000 | 72,841,000 |
| Equity capital | 43,700,000 | 45,479,000 | 45,167,000 | 45,473,000 |
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 | 7,485,000 | 15,515,000 | 23,873,000 | 33,628,000 |
| Interest expense | 3,028,000 | 6,152,000 | 9,358,000 | 12,943,000 |
| Net interest income | 4,457,000 | 9,363,000 | 14,515,000 | 20,685,000 |
| Noninterest income | 1,828,000 | 3,482,000 | 4,502,000 | 6,838,000 |
| Noninterest expense | 5,352,000 | 11,230,000 | 16,512,000 | 22,909,000 |
| Provision for loan losses | 259,000 | 345,000 | 663,000 | 796,000 |
| Pretax income | 674,000 | 1,231,000 | 1,804,000 | 3,647,000 |
| Income tax | 209,000 | 440,000 | 567,000 | 1,323,000 |
| Net income | 465,000 | 791,000 | 1,237,000 | 2,324,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,947,000 | 33,811,000 | 34,238,000 | 39,579,000 |
| Total capital | 39,071,000 | 38,020,000 | 38,717,000 | 44,122,000 |
| Risk-weighted assets | 329,417,000 | 336,396,000 | 358,022,000 | 363,222,000 |