Call reports 2003
COMMUNITY NATIONAL BANK IN MONMOUTH — 2003
What COMMUNITY NATIONAL BANK IN MONMOUTH reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 53,490,000 | 55,369,000 | 54,632,000 | 52,664,000 |
| Total loans | 22,522,000 | 23,128,000 | 23,350,000 | 23,059,000 |
| Allowance for loan losses | 282,000 | 298,000 | 296,000 | 260,000 |
| Securities available for sale | 17,518,000 | 17,615,000 | 17,364,000 | 15,635,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,868,000 | 41,077,000 | 42,965,000 | 43,719,000 |
| Interest-bearing deposits | 39,335,000 | 37,599,000 | 39,416,000 | 39,230,000 |
| Noninterest-bearing deposits | 3,533,000 | 3,478,000 | 3,549,000 | 4,489,000 |
| Equity capital | 5,172,000 | 5,369,000 | 5,352,000 | 5,414,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 652,000 | 1,318,000 | 1,995,000 | 2,652,000 |
| Interest expense | 277,000 | 552,000 | 813,000 | 1,060,000 |
| Net interest income | 375,000 | 766,000 | 1,182,000 | 1,592,000 |
| Noninterest income | 51,000 | 105,000 | 166,000 | 218,000 |
| Noninterest expense | 288,000 | 544,000 | 806,000 | 1,087,000 |
| Provision for loan losses | 11,000 | 23,000 | 34,000 | 45,000 |
| Pretax income | 127,000 | 304,000 | 508,000 | 678,000 |
| Income tax | 37,000 | 91,000 | 153,000 | 205,000 |
| Net income | 90,000 | 213,000 | 355,000 | 473,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,884,000 | 5,007,000 | 5,149,000 | 5,268,000 |
| Total capital | 5,166,000 | 5,305,000 | 5,445,000 | 5,528,000 |
| Risk-weighted assets | 24,774,000 | 25,555,000 | 25,244,000 | 24,632,000 |
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