Call reports 2008
COMMUNITY NATIONAL BANK — 2008
What COMMUNITY NATIONAL BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 564,182,000 | 548,429,000 | 597,271,000 | 579,695,000 |
| Total loans | 297,751,000 | 326,262,000 | 313,284,000 | 334,410,000 |
| Allowance for loan losses | 3,278,000 | 3,507,000 | 3,448,000 | 3,663,000 |
| Securities available for sale | 70,020,000 | 73,488,000 | 92,274,000 | 113,036,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 509,910,000 | 493,461,000 | 540,960,000 | 519,371,000 |
| Interest-bearing deposits | 335,483,000 | 313,607,000 | 349,204,000 | 316,327,000 |
| Noninterest-bearing deposits | 174,427,000 | 179,854,000 | 191,756,000 | 203,044,000 |
| Equity capital | 52,302,000 | 52,957,000 | 54,197,000 | 58,064,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 7,680,000 | 14,694,000 | 21,868,000 | 28,650,000 |
| Interest expense | 2,130,000 | 3,702,000 | 5,229,000 | 6,215,000 |
| Net interest income | 5,550,000 | 10,992,000 | 16,639,000 | 22,435,000 |
| Noninterest income | 700,000 | 1,443,000 | 2,474,000 | 3,248,000 |
| Noninterest expense | 3,595,000 | 7,317,000 | 11,118,000 | 14,989,000 |
| Provision for loan losses | 225,000 | 470,000 | 903,000 | 3,098,000 |
| Pretax income | 2,430,000 | 4,648,000 | 7,092,000 | 7,596,000 |
| Income tax | 831,000 | 1,580,000 | 2,392,000 | 2,563,000 |
| Net income | 1,599,000 | 3,068,000 | 4,700,000 | 5,033,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,161,000 | 37,255,000 | 38,393,000 | 41,841,000 |
| Total capital | 39,439,000 | 40,762,000 | 41,841,000 | 45,904,000 |
| Risk-weighted assets | 368,221,000 | 385,132,000 | 381,266,000 | 392,591,000 |