Call reports 2006
COMMUNITY NATIONAL BANK, THE — 2006
What COMMUNITY NATIONAL BANK, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 143,928,000 | 144,562,000 | 148,127,000 | 160,983,000 |
| Total loans | 102,632,000 | 103,463,000 | 106,558,000 | 106,539,000 |
| Allowance for loan losses | 1,099,000 | 1,168,000 | 1,219,000 | 1,195,000 |
| Securities available for sale | 27,570,000 | 26,539,000 | 26,606,000 | 26,022,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,201,000 | 126,488,000 | 133,265,000 | 146,687,000 |
| Interest-bearing deposits | 109,037,000 | 109,008,000 | 116,317,000 | 128,975,000 |
| Noninterest-bearing deposits | 18,164,000 | 17,480,000 | 16,948,000 | 17,712,000 |
| Equity capital | 13,572,000 | 13,777,000 | 14,046,000 | 13,087,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,021,000 | 4,126,000 | 6,314,000 | 8,515,000 |
| Interest expense | 799,000 | 1,681,000 | 2,686,000 | 3,811,000 |
| Net interest income | 1,222,000 | 2,445,000 | 3,628,000 | 4,704,000 |
| Noninterest income | 427,000 | 864,000 | 1,432,000 | 2,225,000 |
| Noninterest expense | 1,180,000 | 2,269,000 | 3,482,000 | 4,559,000 |
| Provision for loan losses | 80,000 | 140,000 | 200,000 | 1,813,000 |
| Pretax income | 389,000 | 900,000 | 1,378,000 | 557,000 |
| Income tax | 121,000 | 294,000 | 454,000 | 136,000 |
| Net income | 268,000 | 606,000 | 924,000 | 421,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,294,000 | 13,643,000 | 13,698,000 | 12,688,000 |
| Total capital | 14,393,000 | 14,811,000 | 14,917,000 | 13,883,000 |
| Risk-weighted assets | 93,722,000 | 95,068,000 | 98,261,000 | 100,985,000 |