Call reports 2008
COMMUNITY NATIONAL BANK, THE — 2008
What COMMUNITY NATIONAL BANK, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 123,629,000 | 123,456,000 | 114,782,000 | 105,807,000 |
| Total loans | 87,216,000 | 83,820,000 | 81,138,000 | 74,514,000 |
| Allowance for loan losses | 3,762,000 | 3,562,000 | 3,529,000 | 3,299,000 |
| Securities available for sale | 17,155,000 | 14,976,000 | 13,936,000 | 14,268,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,020,000 | 112,819,000 | 104,504,000 | 96,407,000 |
| Interest-bearing deposits | 95,393,000 | 92,840,000 | 87,643,000 | 79,787,000 |
| Noninterest-bearing deposits | 16,627,000 | 19,979,000 | 16,861,000 | 16,620,000 |
| Equity capital | 10,839,000 | 9,902,000 | 9,523,000 | 8,751,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,696,000 | 3,325,000 | 4,884,000 | 6,328,000 |
| Interest expense | 861,000 | 1,636,000 | 2,354,000 | 3,019,000 |
| Net interest income | 835,000 | 1,689,000 | 2,530,000 | 3,309,000 |
| Noninterest income | 982,000 | 1,801,000 | 2,007,000 | 2,181,000 |
| Noninterest expense | 1,715,000 | 3,510,000 | 4,768,000 | 6,479,000 |
| Provision for loan losses | 250,000 | 950,000 | 1,150,000 | 1,300,000 |
| Pretax income | -148,000 | -970,000 | -1,381,000 | -2,289,000 |
| Income tax | -51,000 | -50,000 | -50,000 | -41,000 |
| Net income | -97,000 | -920,000 | -1,331,000 | -2,248,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,972,000 | 8,354,000 | 8,161,000 | 8,284,000 |
| Total capital | 11,026,000 | 9,308,000 | 9,079,000 | 9,113,000 |
| Risk-weighted assets | 81,555,000 | 73,709,000 | 70,815,000 | 63,849,000 |