Call reports 2005
COMMUNITY NATIONAL BANK, THE — 2005
What COMMUNITY NATIONAL BANK, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 131,308,000 | 132,414,000 | 152,063,000 | 145,409,000 |
| Total loans | 98,787,000 | 99,842,000 | 99,963,000 | 102,038,000 |
| Allowance for loan losses | 1,068,000 | 1,020,000 | 1,030,000 | 1,051,000 |
| Securities available for sale | 20,265,000 | 18,902,000 | 21,695,000 | 27,903,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,019,000 | 118,761,000 | 138,091,000 | 128,845,000 |
| Interest-bearing deposits | 98,832,000 | 101,692,000 | 120,937,000 | 110,860,000 |
| Noninterest-bearing deposits | 17,187,000 | 17,069,000 | 17,154,000 | 17,985,000 |
| Equity capital | 12,666,000 | 13,109,000 | 13,403,000 | 13,310,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,777,000 | 3,594,000 | 5,504,000 | 7,551,000 |
| Interest expense | 507,000 | 1,054,000 | 1,688,000 | 2,421,000 |
| Net interest income | 1,270,000 | 2,540,000 | 3,816,000 | 5,130,000 |
| Noninterest income | 207,000 | 442,000 | 691,000 | 1,071,000 |
| Noninterest expense | 1,017,000 | 1,974,000 | 2,957,000 | 3,968,000 |
| Provision for loan losses | 70,000 | 130,000 | 190,000 | 250,000 |
| Pretax income | 390,000 | 878,000 | 1,360,000 | 1,983,000 |
| Income tax | 128,000 | 288,000 | 444,000 | 654,000 |
| Net income | 262,000 | 590,000 | 916,000 | 1,329,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,258,000 | 12,600,000 | 12,940,000 | 13,016,000 |
| Total capital | 13,326,000 | 13,620,000 | 13,970,000 | 14,067,000 |
| Risk-weighted assets | 85,512,000 | 89,540,000 | 93,366,000 | 93,339,000 |