Call reports 2005
COMMUNITY NATIONAL BANK IN MONMOUTH — 2005
What COMMUNITY NATIONAL BANK IN MONMOUTH 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 | 52,741,000 | 53,276,000 | 55,155,000 | 55,205,000 |
| Total loans | 21,264,000 | 22,137,000 | 22,570,000 | 21,111,000 |
| Allowance for loan losses | 286,000 | 285,000 | 304,000 | 313,000 |
| Securities available for sale | 13,214,000 | 13,627,000 | 13,192,000 | 13,990,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,297,000 | 44,737,000 | 47,018,000 | 46,983,000 |
| Interest-bearing deposits | 40,636,000 | 40,579,000 | 42,603,000 | 43,197,000 |
| Noninterest-bearing deposits | 3,661,000 | 4,157,000 | 4,415,000 | 3,786,000 |
| Equity capital | 5,170,000 | 5,340,000 | 5,304,000 | 5,320,000 |
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 | 604,000 | 1,212,000 | 1,830,000 | 2,517,000 |
| Interest expense | 265,000 | 547,000 | 867,000 | 1,218,000 |
| Net interest income | 339,000 | 665,000 | 963,000 | 1,299,000 |
| Noninterest income | 49,000 | 111,000 | 165,000 | 220,000 |
| Noninterest expense | 238,000 | 497,000 | 783,000 | 1,090,000 |
| Provision for loan losses | 11,000 | 22,000 | 34,000 | 45,000 |
| Pretax income | 139,000 | 257,000 | 311,000 | 384,000 |
| Income tax | 42,000 | 76,000 | 89,000 | 109,000 |
| Net income | 97,000 | 181,000 | 222,000 | 275,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,324,000 | 5,408,000 | 5,449,000 | 5,503,000 |
| Total capital | 5,610,000 | 5,693,000 | 5,753,000 | 5,808,000 |
| Risk-weighted assets | 23,885,000 | 24,803,000 | 25,805,000 | 24,413,000 |
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