Call reports 2004
COMMUNITY NATIONAL BANK — 2004
What COMMUNITY NATIONAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 252,122,000 | 248,709,000 | 267,067,000 | 264,401,000 |
| Total loans | 206,145,000 | 208,824,000 | 215,665,000 | 220,395,000 |
| Allowance for loan losses | 2,541,000 | 2,589,000 | 2,626,000 | 2,758,000 |
| Securities available for sale | 22,177,000 | 19,315,000 | 20,912,000 | 22,912,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 205,135,000 | 204,283,000 | 223,907,000 | 216,117,000 |
| Interest-bearing deposits | 184,561,000 | 181,862,000 | 198,243,000 | 189,204,000 |
| Noninterest-bearing deposits | 20,574,000 | 22,421,000 | 25,664,000 | 26,913,000 |
| Equity capital | 24,511,000 | 23,200,000 | 23,808,000 | 24,225,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,137,000 | 6,279,000 | 9,517,000 | 12,932,000 |
| Interest expense | 863,000 | 1,732,000 | 2,627,000 | 3,544,000 |
| Net interest income | 2,274,000 | 4,547,000 | 6,890,000 | 9,388,000 |
| Noninterest income | 430,000 | 888,000 | 1,359,000 | 1,854,000 |
| Noninterest expense | 1,896,000 | 3,748,000 | 5,620,000 | 7,672,000 |
| Provision for loan losses | 142,000 | 285,000 | 428,000 | 570,000 |
| Pretax income | 666,000 | 1,402,000 | 2,201,000 | 3,000,000 |
| Income tax | 232,000 | 493,000 | 776,000 | 1,064,000 |
| Net income | 434,000 | 909,000 | 1,425,000 | 1,936,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,997,000 | 18,955,000 | 19,475,000 | 19,991,000 |
| Total capital | 22,538,000 | 21,544,000 | 22,101,000 | 22,746,000 |
| Risk-weighted assets | 207,064,000 | 209,906,000 | 218,024,000 | 220,385,000 |