Call reports 2002
COMMUNITY NATIONAL BANK, THE — 2002
What COMMUNITY NATIONAL BANK, THE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 110,727,000 | 111,832,000 | 120,066,000 | 114,670,000 |
| Total loans | 77,563,000 | 78,869,000 | 79,174,000 | 79,850,000 |
| Allowance for loan losses | 927,000 | 841,000 | 816,000 | 804,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 22,783,000 | 23,835,000 | 23,883,000 | 23,857,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,794,000 | 101,114,000 | 108,916,000 | 103,492,000 |
| Interest-bearing deposits | 87,722,000 | 88,348,000 | 95,711,000 | 90,219,000 |
| Noninterest-bearing deposits | 12,072,000 | 12,766,000 | 13,205,000 | 13,273,000 |
| Equity capital | 9,844,000 | 10,068,000 | 10,401,000 | 10,530,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,862,000 | 3,716,000 | 5,550,000 | 7,380,000 |
| Interest expense | 771,000 | 1,518,000 | 2,204,000 | 2,851,000 |
| Net interest income | 1,091,000 | 2,198,000 | 3,346,000 | 4,529,000 |
| Noninterest income | 167,000 | 264,000 | 532,000 | 677,000 |
| Noninterest expense | 836,000 | 1,697,000 | 2,541,000 | 3,262,000 |
| Provision for loan losses | 60,000 | 60,000 | 130,000 | 200,000 |
| Pretax income | 362,000 | 705,000 | 1,207,000 | 1,744,000 |
| Income tax | 121,000 | 240,000 | 409,000 | 581,000 |
| Net income | 241,000 | 465,000 | 798,000 | 1,163,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,844,000 | 10,068,000 | 10,401,000 | 10,530,000 |
| Total capital | 10,729,000 | 10,909,000 | 11,217,000 | 11,334,000 |
| Risk-weighted assets | 70,790,000 | 70,852,000 | 71,983,000 | 70,604,000 |