Call reports 2009
COMMUNITY NATIONAL BANK — 2009
What COMMUNITY NATIONAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 244,385,000 | 237,112,000 | 234,926,000 | 232,578,000 |
| Total loans | 188,710,000 | 184,430,000 | 178,188,000 | 172,839,000 |
| Allowance for loan losses | 4,887,000 | 5,327,000 | 4,898,000 | 4,981,000 |
| Securities available for sale | 21,668,000 | 21,799,000 | 28,570,000 | 27,147,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 198,084,000 | 193,594,000 | 193,764,000 | 198,725,000 |
| Interest-bearing deposits | 173,845,000 | 166,995,000 | 167,937,000 | 170,286,000 |
| Noninterest-bearing deposits | 24,239,000 | 26,599,000 | 25,827,000 | 28,439,000 |
| Equity capital | 26,406,000 | 24,803,000 | 25,142,000 | 22,808,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,976,000 | 5,830,000 | 8,699,000 | 11,522,000 |
| Interest expense | 1,070,000 | 2,018,000 | 2,929,000 | 3,659,000 |
| Net interest income | 1,906,000 | 3,812,000 | 5,770,000 | 7,863,000 |
| Noninterest income | 578,000 | 1,145,000 | 1,681,000 | 2,305,000 |
| Noninterest expense | 2,336,000 | 4,705,000 | 6,510,000 | 12,717,000 |
| Provision for loan losses | 188,000 | 2,841,000 | 3,369,000 | 3,556,000 |
| Pretax income | -1,000 | -2,471,000 | -2,113,000 | -5,790,000 |
| Income tax | -26,000 | -966,000 | -856,000 | -2,244,000 |
| Net income | 25,000 | -1,505,000 | -1,257,000 | -3,546,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,382,000 | 18,927,000 | 19,465,000 | 19,909,000 |
| Total capital | 23,777,000 | 21,254,000 | 21,697,000 | 22,093,000 |
| Risk-weighted assets | 189,119,000 | 183,403,000 | 175,909,000 | 171,953,000 |