Call reports 2010
COMMUNITY NATIONAL BANK IN MONMOUTH — 2010
What COMMUNITY NATIONAL BANK IN MONMOUTH reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 46,956,000 | 47,762,000 | 45,759,000 | 45,708,000 |
| Total loans | 19,098,000 | 19,496,000 | 21,922,000 | 21,666,000 |
| Allowance for loan losses | 313,000 | 312,000 | 320,000 | 175,000 |
| Securities available for sale | 17,745,000 | 17,927,000 | 17,569,000 | 17,561,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,920,000 | 40,451,000 | 38,283,000 | 38,667,000 |
| Interest-bearing deposits | 35,693,000 | 35,183,000 | 34,955,000 | 35,286,000 |
| Noninterest-bearing deposits | 4,227,000 | 5,268,000 | 3,328,000 | 3,381,000 |
| Equity capital | 6,208,000 | 6,455,000 | 6,678,000 | 6,411,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 552,000 | 1,077,000 | 1,609,000 | 2,132,000 |
| Interest expense | 176,000 | 333,000 | 475,000 | 610,000 |
| Net interest income | 376,000 | 744,000 | 1,134,000 | 1,522,000 |
| Noninterest income | 72,000 | 157,000 | 238,000 | 323,000 |
| Noninterest expense | 304,000 | 629,000 | 946,000 | 1,331,000 |
| Provision for loan losses | 5,000 | 10,000 | 15,000 | 20,000 |
| Pretax income | 139,000 | 262,000 | 411,000 | 494,000 |
| Income tax | 36,000 | 66,000 | 106,000 | 123,000 |
| Net income | 103,000 | 196,000 | 305,000 | 371,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,059,000 | 6,152,000 | 6,262,000 | 6,326,000 |
| Total capital | 6,333,000 | 6,418,000 | 6,555,000 | 6,501,000 |
| Risk-weighted assets | 21,158,000 | 20,576,000 | 22,656,000 | 22,344,000 |