Call reports 2007
COMMUNITY NATIONAL BANK — 2007
What COMMUNITY NATIONAL BANK 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 | 319,348,000 | 311,613,000 | 314,211,000 | 305,181,000 |
| Total loans | 271,796,000 | 266,361,000 | 263,556,000 | 261,244,000 |
| Allowance for loan losses | 2,772,000 | 2,659,000 | 3,193,000 | 3,365,000 |
| Securities available for sale | 19,082,000 | 16,140,000 | 15,843,000 | 13,979,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 263,717,000 | 260,240,000 | 268,465,000 | 254,428,000 |
| Interest-bearing deposits | 235,699,000 | 233,703,000 | 240,022,000 | 226,978,000 |
| Noninterest-bearing deposits | 28,018,000 | 26,537,000 | 28,443,000 | 27,450,000 |
| Equity capital | 28,841,000 | 28,804,000 | 27,595,000 | 27,717,000 |
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 | 4,970,000 | 9,997,000 | 15,004,000 | 19,798,000 |
| Interest expense | 2,439,000 | 4,959,000 | 7,529,000 | 9,913,000 |
| Net interest income | 2,531,000 | 5,038,000 | 7,475,000 | 9,885,000 |
| Noninterest income | 528,000 | 1,146,000 | 1,716,000 | 2,337,000 |
| Noninterest expense | 2,207,000 | 4,413,000 | 6,805,000 | 9,037,000 |
| Provision for loan losses | 272,000 | 662,000 | 3,417,000 | 4,232,000 |
| Pretax income | 540,000 | 1,069,000 | -1,071,000 | -1,087,000 |
| Income tax | 177,000 | 350,000 | -457,000 | -509,000 |
| Net income | 363,000 | 719,000 | -614,000 | -578,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,716,000 | 24,776,000 | 23,447,000 | 23,489,000 |
| Total capital | 27,488,000 | 27,435,000 | 26,640,000 | 26,724,000 |
| Risk-weighted assets | 271,189,000 | 265,096,000 | 261,408,000 | 258,673,000 |