Call reports 2002
COMMUNITY NATIONAL BANK — 2002
What COMMUNITY NATIONAL BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 88,481,000 | 98,262,000 | 103,723,000 | 111,265,000 |
| Total loans | 65,976,000 | 73,124,000 | 79,287,000 | 81,292,000 |
| Allowance for loan losses | 683,000 | 805,000 | 835,000 | 880,000 |
| Securities available for sale | 17,378,000 | 16,942,000 | 16,847,000 | 15,406,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,894,000 | 76,769,000 | 82,222,000 | 89,783,000 |
| Interest-bearing deposits | 61,676,000 | 69,319,000 | 73,758,000 | 77,865,000 |
| Noninterest-bearing deposits | 7,218,000 | 7,450,000 | 8,464,000 | 11,918,000 |
| Equity capital | 7,991,000 | 8,213,000 | 8,308,000 | 8,504,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,469,000 | 3,031,000 | 4,708,000 | 6,443,000 |
| Interest expense | 538,000 | 1,101,000 | 1,708,000 | 2,322,000 |
| Net interest income | 931,000 | 1,930,000 | 3,000,000 | 4,121,000 |
| Noninterest income | 331,000 | 667,000 | 1,083,000 | 1,614,000 |
| Noninterest expense | 791,000 | 1,665,000 | 2,802,000 | 3,886,000 |
| Provision for loan losses | 28,000 | 150,000 | 330,000 | 367,000 |
| Pretax income | 457,000 | 810,000 | 997,000 | 1,569,000 |
| Income tax | 150,000 | 262,000 | 310,000 | 502,000 |
| Net income | 307,000 | 548,000 | 687,000 | 1,067,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,780,000 | 7,907,000 | 7,931,000 | 8,194,000 |
| Total capital | 8,463,000 | 8,712,000 | 8,766,000 | 9,074,000 |
| Risk-weighted assets | 62,495,000 | 67,916,000 | 73,667,000 | 76,684,000 |