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 | 112,405,000 | 112,984,000 | 114,839,000 | 114,508,000 |
| Total loans | 84,249,000 | 85,112,000 | 80,160,000 | 79,894,000 |
| Allowance for loan losses | 915,000 | 976,000 | 959,000 | 945,000 |
| Securities available for sale | 15,466,000 | 15,180,000 | 14,468,000 | 18,718,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,823,000 | 89,233,000 | 89,965,000 | 91,781,000 |
| Interest-bearing deposits | 78,300,000 | 77,632,000 | 77,010,000 | 78,225,000 |
| Noninterest-bearing deposits | 11,523,000 | 11,601,000 | 12,955,000 | 13,556,000 |
| Equity capital | 8,587,000 | 9,057,000 | 9,044,000 | 9,091,000 |
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 | 1,610,000 | 3,259,000 | 4,879,000 | 6,413,000 |
| Interest expense | 574,000 | 1,108,000 | 1,638,000 | 2,132,000 |
| Net interest income | 1,036,000 | 2,151,000 | 3,241,000 | 4,281,000 |
| Noninterest income | 519,000 | 1,263,000 | 1,778,000 | 2,183,000 |
| Noninterest expense | 1,166,000 | 2,278,000 | 3,518,000 | 4,633,000 |
| Provision for loan losses | 33,000 | 109,000 | 141,000 | 202,000 |
| Pretax income | 370,000 | 1,056,000 | 1,395,000 | 1,668,000 |
| Income tax | 118,000 | 352,000 | 437,000 | 515,000 |
| Net income | 252,000 | 704,000 | 958,000 | 1,153,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,330,000 | 8,665,000 | 8,803,000 | 8,880,000 |
| Total capital | 9,245,000 | 9,641,000 | 9,759,000 | 9,825,000 |
| Risk-weighted assets | 78,173,000 | 78,842,000 | 76,442,000 | 76,651,000 |