Call reports 2003
COMMUNITY NATIONAL BANK, THE — 2003
What COMMUNITY NATIONAL BANK, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 115,915,000 | 119,468,000 | 127,135,000 | 123,451,000 |
| Total loans | 82,507,000 | 86,303,000 | 91,863,000 | 94,719,000 |
| Allowance for loan losses | 890,000 | 807,000 | 860,000 | 887,000 |
| Securities available for sale | 12,048,000 | 21,232,000 | 20,456,000 | 19,832,000 |
| Securities held to maturity | 11,579,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,711,000 | 106,285,000 | 115,097,000 | 107,146,000 |
| Interest-bearing deposits | 89,083,000 | 91,468,000 | 102,562,000 | 94,126,000 |
| Noninterest-bearing deposits | 12,628,000 | 14,817,000 | 12,535,000 | 13,020,000 |
| Equity capital | 10,935,000 | 11,315,000 | 11,587,000 | 11,612,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,698,000 | 3,371,000 | 5,086,000 | 6,811,000 |
| Interest expense | 523,000 | 1,033,000 | 1,510,000 | 1,979,000 |
| Net interest income | 1,175,000 | 2,338,000 | 3,576,000 | 4,832,000 |
| Noninterest income | 223,000 | 503,000 | 781,000 | 1,044,000 |
| Noninterest expense | 870,000 | 1,813,000 | 2,745,000 | 3,687,000 |
| Provision for loan losses | 90,000 | 120,000 | 190,000 | 311,000 |
| Pretax income | 619,000 | 1,111,000 | 1,625,000 | 2,081,000 |
| Income tax | 210,000 | 378,000 | 550,000 | 697,000 |
| Net income | 409,000 | 733,000 | 1,075,000 | 1,384,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,939,000 | 11,263,000 | 11,604,000 | 11,650,000 |
| Total capital | 11,829,000 | 12,070,000 | 12,464,000 | 12,537,000 |
| Risk-weighted assets | 72,268,000 | 76,766,000 | 80,401,000 | 79,447,000 |