Call reports 2009
COMMUNITY NATIONAL BANK IN MONMOUTH — 2009
What COMMUNITY NATIONAL BANK IN MONMOUTH reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 50,220,000 | 49,332,000 | 50,365,000 | 49,576,000 |
| Total loans | 19,260,000 | 18,955,000 | 19,534,000 | 19,580,000 |
| Allowance for loan losses | 336,000 | 340,000 | 336,000 | 319,000 |
| Securities available for sale | 18,628,000 | 19,930,000 | 20,310,000 | 19,634,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,093,000 | 42,373,000 | 43,210,000 | 42,547,000 |
| Interest-bearing deposits | 38,098,000 | 37,946,000 | 38,009,000 | 36,936,000 |
| Noninterest-bearing deposits | 4,995,000 | 4,427,000 | 5,201,000 | 5,611,000 |
| Equity capital | 6,191,000 | 6,099,000 | 6,321,000 | 6,283,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 611,000 | 1,203,000 | 1,799,000 | 2,390,000 |
| Interest expense | 218,000 | 436,000 | 649,000 | 847,000 |
| Net interest income | 393,000 | 767,000 | 1,150,000 | 1,543,000 |
| Noninterest income | 126,000 | 197,000 | 270,000 | 348,000 |
| Noninterest expense | 282,000 | 589,000 | 919,000 | 1,263,000 |
| Provision for loan losses | 5,000 | 10,000 | 15,000 | 20,000 |
| Pretax income | 254,000 | 387,000 | 508,000 | 630,000 |
| Income tax | 76,000 | 110,000 | 140,000 | 170,000 |
| Net income | 178,000 | 277,000 | 368,000 | 460,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,935,000 | 6,035,000 | 6,125,000 | 6,217,000 |
| Total capital | 6,204,000 | 6,308,000 | 6,400,000 | 6,502,000 |
| Risk-weighted assets | 20,675,000 | 20,975,000 | 21,718,000 | 22,015,000 |