Call reports 2012
COMMUNITY NATIONAL BANK IN MONMOUTH — 2012
What COMMUNITY NATIONAL BANK IN MONMOUTH reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 55,360,000 | 56,122,000 | 53,738,000 | 54,820,000 |
| Total loans | 20,915,000 | 20,626,000 | 20,956,000 | 21,846,000 |
| Allowance for loan losses | 239,000 | 260,000 | 281,000 | 287,000 |
| Securities available for sale | 18,662,000 | 18,153,000 | 18,801,000 | 17,622,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,146,000 | 48,784,000 | 46,374,000 | 47,574,000 |
| Interest-bearing deposits | 42,703,000 | 42,852,000 | 42,450,000 | 42,949,000 |
| Noninterest-bearing deposits | 5,443,000 | 5,932,000 | 3,924,000 | 4,625,000 |
| Equity capital | 6,587,000 | 6,672,000 | 6,716,000 | 6,616,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 460,000 | 914,000 | 1,373,000 | 1,812,000 |
| Interest expense | 98,000 | 191,000 | 282,000 | 364,000 |
| Net interest income | 362,000 | 723,000 | 1,091,000 | 1,448,000 |
| Noninterest income | 82,000 | 168,000 | 253,000 | 337,000 |
| Noninterest expense | 334,000 | 666,000 | 1,063,000 | 1,407,000 |
| Provision for loan losses | 40,000 | 60,000 | 80,000 | 100,000 |
| Pretax income | 70,000 | 165,000 | 201,000 | 278,000 |
| Income tax | 12,000 | 33,000 | 31,000 | 49,000 |
| Net income | 58,000 | 132,000 | 170,000 | 229,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,217,000 | 6,290,000 | 6,328,000 | 6,271,000 |
| Total capital | 6,456,000 | 6,550,000 | 6,607,000 | 6,527,000 |
| Risk-weighted assets | 22,450,000 | 20,982,000 | 21,586,000 | 22,051,000 |