Call reports 2006
COMMUNITY NATIONAL BANK — 2006
What COMMUNITY NATIONAL BANK 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 | 308,470,000 | 310,697,000 | 322,346,000 | 313,861,000 |
| Total loans | 254,593,000 | 260,980,000 | 261,755,000 | 264,714,000 |
| Allowance for loan losses | 2,937,000 | 3,016,000 | 3,175,000 | 2,645,000 |
| Securities available for sale | 24,052,000 | 23,837,000 | 24,849,000 | 21,174,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 255,682,000 | 262,659,000 | 271,942,000 | 265,991,000 |
| Interest-bearing deposits | 229,415,000 | 234,723,000 | 246,455,000 | 236,722,000 |
| Noninterest-bearing deposits | 26,267,000 | 27,936,000 | 25,487,000 | 29,269,000 |
| Equity capital | 27,143,000 | 27,582,000 | 28,424,000 | 28,749,000 |
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 | 4,405,000 | 9,255,000 | 14,260,000 | 19,268,000 |
| Interest expense | 1,758,000 | 3,970,000 | 6,327,000 | 8,745,000 |
| Net interest income | 2,647,000 | 5,285,000 | 7,933,000 | 10,523,000 |
| Noninterest income | 514,000 | 1,090,000 | 1,696,000 | 2,281,000 |
| Noninterest expense | 2,128,000 | 4,202,000 | 6,272,000 | 8,201,000 |
| Provision for loan losses | 75,000 | 150,000 | 295,000 | 1,120,000 |
| Pretax income | 958,000 | 2,023,000 | 3,062,000 | 3,483,000 |
| Income tax | 333,000 | 705,000 | 1,068,000 | 1,191,000 |
| Net income | 625,000 | 1,318,000 | 1,994,000 | 2,292,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,140,000 | 23,639,000 | 24,319,000 | 24,647,000 |
| Total capital | 26,077,000 | 26,655,000 | 27,494,000 | 27,292,000 |
| Risk-weighted assets | 255,103,000 | 259,148,000 | 261,394,000 | 263,033,000 |