Call reports 2014
COMMUNITY NATIONAL BANK IN MONMOUTH — 2014
What COMMUNITY NATIONAL BANK IN MONMOUTH reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 50,958,000 | 50,782,000 | 49,038,000 | 49,319,000 |
| Total loans | 25,908,000 | 26,371,000 | 27,490,000 | 28,354,000 |
| Allowance for loan losses | 405,000 | 442,000 | 460,000 | 452,000 |
| Securities available for sale | 17,917,000 | 17,543,000 | 16,203,000 | 15,329,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,095,000 | 43,592,000 | 42,110,000 | 42,410,000 |
| Interest-bearing deposits | 39,680,000 | 37,235,000 | 35,738,000 | 35,243,000 |
| Noninterest-bearing deposits | 4,415,000 | 6,357,000 | 6,372,000 | 7,167,000 |
| Equity capital | 6,413,000 | 6,506,000 | 6,504,000 | 6,456,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 426,000 | 855,000 | 1,296,000 | 1,724,000 |
| Interest expense | 51,000 | 101,000 | 148,000 | 192,000 |
| Net interest income | 375,000 | 754,000 | 1,148,000 | 1,532,000 |
| Noninterest income | 78,000 | 169,000 | 235,000 | 320,000 |
| Noninterest expense | 391,000 | 735,000 | 1,105,000 | 1,455,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 47,000 | 158,000 | 233,000 | 337,000 |
| Income tax | 8,000 | 44,000 | 65,000 | 87,000 |
| Net income | 39,000 | 114,000 | 168,000 | 250,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,395,000 | 6,469,000 | 6,523,000 | 6,471,000 |
| Total capital | 6,728,000 | 6,806,000 | 6,875,000 | 6,832,000 |
| Risk-weighted assets | 26,501,000 | 26,830,000 | 28,043,000 | 28,761,000 |