Call reports 2015
COMMUNITY NATIONAL BANK IN MONMOUTH — 2015
What COMMUNITY NATIONAL BANK IN MONMOUTH reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 47,807,000 | 46,357,000 | 43,495,000 | 45,013,000 |
| Total loans | 26,716,000 | 27,324,000 | 27,335,000 | 28,300,000 |
| Allowance for loan losses | 465,000 | 478,000 | 495,000 | 511,000 |
| Securities available for sale | 14,788,000 | 13,619,000 | 12,567,000 | 10,492,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,742,000 | 39,292,000 | 36,340,000 | 37,935,000 |
| Interest-bearing deposits | 35,548,000 | 33,806,000 | 31,798,000 | 31,768,000 |
| Noninterest-bearing deposits | 5,194,000 | 5,486,000 | 4,542,000 | 6,167,000 |
| Equity capital | 6,561,000 | 6,603,000 | 6,702,000 | 6,573,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 409,000 | 811,000 | 1,218,000 | 1,615,000 |
| Interest expense | 42,000 | 82,000 | 120,000 | 153,000 |
| Net interest income | 367,000 | 729,000 | 1,098,000 | 1,462,000 |
| Noninterest income | 63,000 | 142,000 | 219,000 | 306,000 |
| Noninterest expense | 368,000 | 686,000 | 1,016,000 | 1,373,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 47,000 | 150,000 | 251,000 | 330,000 |
| Income tax | 9,000 | 40,000 | 71,000 | 95,000 |
| Net income | 38,000 | 110,000 | 180,000 | 235,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,508,000 | 6,582,000 | 6,651,000 | 6,570,000 |
| Total capital | 6,846,000 | 6,926,000 | 6,993,000 | 6,921,000 |
| Risk-weighted assets | 26,905,000 | 27,347,000 | 27,263,000 | 27,918,000 |