Call reports 2005
COMMUNITY BANK & TRUST — 2005
What COMMUNITY BANK & TRUST 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 | 127,474,000 | 134,778,000 | 143,504,000 | 152,798,000 |
| Total loans | 92,194,000 | 95,098,000 | 98,741,000 | 103,998,000 |
| Allowance for loan losses | 1,225,000 | 1,276,000 | 1,281,000 | 1,330,000 |
| Securities available for sale | 23,760,000 | 27,114,000 | 31,972,000 | 31,890,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,333,000 | 115,648,000 | 124,415,000 | 130,878,000 |
| Interest-bearing deposits | 95,476,000 | 101,556,000 | 108,317,000 | 108,128,000 |
| Noninterest-bearing deposits | 12,857,000 | 14,092,000 | 16,098,000 | 22,750,000 |
| Equity capital | 14,321,000 | 14,680,000 | 14,902,000 | 15,095,000 |
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 | 1,815,000 | 3,789,000 | 5,995,000 | 8,377,000 |
| Interest expense | 585,000 | 1,278,000 | 2,129,000 | 3,109,000 |
| Net interest income | 1,230,000 | 2,511,000 | 3,866,000 | 5,268,000 |
| Noninterest income | 282,000 | 664,000 | 988,000 | 1,200,000 |
| Noninterest expense | 929,000 | 2,013,000 | 3,155,000 | 4,191,000 |
| Provision for loan losses | 115,000 | 206,000 | 261,000 | 344,000 |
| Pretax income | 460,000 | 948,000 | 1,430,000 | 1,925,000 |
| Income tax | 169,000 | 354,000 | 530,000 | 668,000 |
| Net income | 291,000 | 594,000 | 900,000 | 1,257,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,527,000 | 12,708,000 | 13,022,000 | 13,387,000 |
| Total capital | 13,752,000 | 13,984,000 | 14,303,000 | 14,717,000 |
| Risk-weighted assets | 100,038,000 | 102,823,000 | 109,371,000 | 115,790,000 |