Call reports 2003
COMMUNITY NATIONAL BANK — 2003
What COMMUNITY NATIONAL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 253,092,000 | 232,622,000 | 263,211,000 | 249,819,000 |
| Total loans | 193,236,000 | 189,506,000 | 193,897,000 | 204,169,000 |
| Allowance for loan losses | 2,217,000 | 2,249,000 | 2,342,000 | 2,396,000 |
| Securities available for sale | 22,728,000 | 19,562,000 | 21,889,000 | 24,675,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 208,941,000 | 189,517,000 | 221,198,000 | 204,682,000 |
| Interest-bearing deposits | 190,300,000 | 169,217,000 | 198,775,000 | 182,003,000 |
| Noninterest-bearing deposits | 18,641,000 | 20,301,000 | 22,423,000 | 22,680,000 |
| Equity capital | 22,842,000 | 23,199,000 | 23,567,000 | 24,050,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,199,000 | 6,388,000 | 9,589,000 | 12,798,000 |
| Interest expense | 1,196,000 | 2,280,000 | 3,242,000 | 4,137,000 |
| Net interest income | 2,003,000 | 4,108,000 | 6,347,000 | 8,661,000 |
| Noninterest income | 291,000 | 604,000 | 898,000 | 1,283,000 |
| Noninterest expense | 1,766,000 | 3,548,000 | 5,277,000 | 7,051,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 420,000 |
| Pretax income | 423,000 | 954,000 | 1,653,000 | 2,473,000 |
| Income tax | 147,000 | 335,000 | 582,000 | 872,000 |
| Net income | 276,000 | 619,000 | 1,071,000 | 1,601,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,219,000 | 18,569,000 | 19,025,000 | 19,560,000 |
| Total capital | 20,436,000 | 20,818,000 | 21,367,000 | 21,956,000 |
| Risk-weighted assets | 197,054,000 | 191,074,000 | 200,369,000 | 206,706,000 |
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