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 | 294,094,000 | 300,225,000 | 307,086,000 | 320,284,000 |
| Total loans | 158,892,000 | 172,809,000 | 182,587,000 | 178,966,000 |
| Allowance for loan losses | 1,489,000 | 1,646,000 | 2,073,000 | 2,071,000 |
| Securities available for sale | 18,631,000 | 58,031,000 | 18,519,000 | 28,816,000 |
| Securities held to maturity | 37,842,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 247,252,000 | 251,934,000 | 260,645,000 | 274,976,000 |
| Interest-bearing deposits | 166,599,000 | 165,581,000 | 169,091,000 | 180,154,000 |
| Noninterest-bearing deposits | 80,653,000 | 86,353,000 | 91,554,000 | 94,821,000 |
| Equity capital | 37,743,000 | 39,326,000 | 38,633,000 | 37,711,000 |
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 | 3,130,000 | 6,415,000 | 9,691,000 | 12,806,000 |
| Interest expense | 750,000 | 1,452,000 | 2,103,000 | 2,728,000 |
| Net interest income | 2,380,000 | 4,963,000 | 7,588,000 | 10,078,000 |
| Noninterest income | 1,085,000 | 2,018,000 | 2,726,000 | 3,369,000 |
| Noninterest expense | 2,244,000 | 4,606,000 | 6,939,000 | 9,524,000 |
| Provision for loan losses | 0 | 205,000 | 662,000 | 870,000 |
| Pretax income | 1,221,000 | 2,240,000 | 4,404,000 | 4,744,000 |
| Income tax | 400,000 | 740,000 | 1,478,000 | 1,612,000 |
| Net income | 821,000 | 1,500,000 | 2,926,000 | 3,132,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,187,000 | 21,291,000 | 22,341,000 | 21,486,000 |
| Total capital | 22,676,000 | 22,937,000 | 24,414,000 | 23,557,000 |
| Risk-weighted assets | 178,343,000 | 187,675,000 | 199,149,000 | 200,627,000 |
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