Call reports 2016
COMMUNITY NATIONAL BANK IN MONMOUTH — 2016
What COMMUNITY NATIONAL BANK IN MONMOUTH reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 45,208,000 | 42,070,000 | 41,953,000 | 39,260,000 |
| Total loans | 27,031,000 | 28,018,000 | 28,088,000 | 26,558,000 |
| Allowance for loan losses | 527,000 | 538,000 | 585,000 | 217,000 |
| Securities available for sale | 10,774,000 | 10,787,000 | 9,888,000 | 9,338,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,021,000 | 34,933,000 | 34,808,000 | 32,316,000 |
| Interest-bearing deposits | 31,020,000 | 29,534,000 | 27,922,000 | 27,782,000 |
| Noninterest-bearing deposits | 7,001,000 | 5,399,000 | 6,886,000 | 4,534,000 |
| Equity capital | 6,657,000 | 6,761,000 | 6,786,000 | 6,561,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 388,000 | 805,000 | 1,202,000 | 1,575,000 |
| Interest expense | 32,000 | 61,000 | 86,000 | 111,000 |
| Net interest income | 356,000 | 744,000 | 1,116,000 | 1,464,000 |
| Noninterest income | 65,000 | 148,000 | 229,000 | 311,000 |
| Noninterest expense | 326,000 | 639,000 | 982,000 | 1,341,000 |
| Provision for loan losses | 15,000 | 35,000 | 80,000 | 174,000 |
| Pretax income | 80,000 | 218,000 | 283,000 | 260,000 |
| Income tax | 23,000 | 67,000 | 85,000 | 83,000 |
| Net income | 57,000 | 151,000 | 198,000 | 177,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,628,000 | 6,722,000 | 6,769,000 | 6,613,000 |
| Total capital | 6,963,000 | 7,070,000 | 7,115,000 | 6,830,000 |
| Risk-weighted assets | 26,651,000 | 27,618,000 | 27,443,000 | 25,982,000 |