Call reports 2007
COMMUNITY NATIONAL BANK, THE — 2007
What COMMUNITY NATIONAL BANK, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 150,820,000 | 147,015,000 | 142,612,000 | 130,211,000 |
| Total loans | 101,315,000 | 101,312,000 | 99,178,000 | 92,441,000 |
| Allowance for loan losses | 1,235,000 | 1,049,000 | 2,195,000 | 4,367,000 |
| Securities available for sale | 25,504,000 | 25,050,000 | 25,015,000 | 20,337,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,463,000 | 132,360,000 | 124,104,000 | 118,467,000 |
| Interest-bearing deposits | 116,535,000 | 113,240,000 | 105,476,000 | 101,305,000 |
| Noninterest-bearing deposits | 19,928,000 | 19,120,000 | 18,628,000 | 17,162,000 |
| Equity capital | 13,340,000 | 13,555,000 | 13,412,000 | 10,789,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,277,000 | 4,469,000 | 6,542,000 | 8,316,000 |
| Interest expense | 1,177,000 | 2,289,000 | 3,360,000 | 4,398,000 |
| Net interest income | 1,100,000 | 2,180,000 | 3,182,000 | 3,918,000 |
| Noninterest income | 652,000 | 1,449,000 | 2,148,000 | 3,290,000 |
| Noninterest expense | 1,379,000 | 2,769,000 | 4,186,000 | 6,075,000 |
| Provision for loan losses | 60,000 | 140,000 | 790,000 | 4,911,000 |
| Pretax income | 313,000 | 720,000 | 354,000 | -3,778,000 |
| Income tax | 94,000 | 232,000 | 120,000 | -1,335,000 |
| Net income | 219,000 | 488,000 | 234,000 | -2,443,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,919,000 | 13,199,000 | 12,956,000 | 9,981,000 |
| Total capital | 14,112,000 | 14,248,000 | 14,137,000 | 11,095,000 |
| Risk-weighted assets | 95,376,000 | 95,149,000 | 93,429,000 | 85,838,000 |