Call reports 2004
COMMUNITY NATIONAL BANK, THE — 2004
What COMMUNITY NATIONAL BANK, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 126,421,000 | 137,954,000 | 141,440,000 | 136,065,000 |
| Total loans | 96,799,000 | 97,717,000 | 99,578,000 | 98,154,000 |
| Allowance for loan losses | 933,000 | 997,000 | 954,000 | 1,002,000 |
| Securities available for sale | 19,201,000 | 24,019,000 | 22,247,000 | 23,604,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,941,000 | 125,410,000 | 128,424,000 | 122,664,000 |
| Interest-bearing deposits | 96,462,000 | 108,068,000 | 110,689,000 | 104,492,000 |
| Noninterest-bearing deposits | 13,480,000 | 17,342,000 | 17,734,000 | 18,172,000 |
| Equity capital | 11,911,000 | 11,977,000 | 12,468,000 | 12,497,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,691,000 | 3,445,000 | 5,228,000 | 7,040,000 |
| Interest expense | 451,000 | 934,000 | 1,535,000 | 2,068,000 |
| Net interest income | 1,240,000 | 2,511,000 | 3,693,000 | 4,972,000 |
| Noninterest income | 266,000 | 549,000 | 863,000 | 1,140,000 |
| Noninterest expense | 1,058,000 | 2,070,000 | 3,083,000 | 3,968,000 |
| Provision for loan losses | 70,000 | 150,000 | 180,000 | 230,000 |
| Pretax income | 378,000 | 840,000 | 1,293,000 | 1,914,000 |
| Income tax | 122,000 | 283,000 | 437,000 | 638,000 |
| Net income | 256,000 | 557,000 | 856,000 | 1,276,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,906,000 | 11,572,000 | 11,860,000 | 11,982,000 |
| Total capital | 12,839,000 | 12,569,000 | 12,814,000 | 12,984,000 |
| Risk-weighted assets | 82,611,000 | 86,142,000 | 87,963,000 | 86,420,000 |