Call reports 2004
COMMUNITY NATIONAL BANK — 2004
What COMMUNITY NATIONAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 120,628,000 | 124,222,000 | 125,629,000 | 126,552,000 |
| Total loans | 81,013,000 | 82,627,000 | 85,998,000 | 89,365,000 |
| Allowance for loan losses | 964,000 | 971,000 | 1,052,000 | 1,077,000 |
| Securities available for sale | 22,602,000 | 23,693,000 | 23,853,000 | 24,237,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,357,000 | 100,409,000 | 100,534,000 | 99,357,000 |
| Interest-bearing deposits | 80,457,000 | 86,990,000 | 86,244,000 | 85,423,000 |
| Noninterest-bearing deposits | 15,900,000 | 13,419,000 | 14,290,000 | 13,934,000 |
| Equity capital | 9,245,000 | 9,109,000 | 9,275,000 | 9,381,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,563,000 | 3,119,000 | 4,813,000 | 6,550,000 |
| Interest expense | 480,000 | 963,000 | 1,464,000 | 1,972,000 |
| Net interest income | 1,083,000 | 2,156,000 | 3,349,000 | 4,578,000 |
| Noninterest income | 402,000 | 889,000 | 1,359,000 | 1,888,000 |
| Noninterest expense | 1,156,000 | 2,378,000 | 3,787,000 | 5,046,000 |
| Provision for loan losses | 91,000 | 112,000 | 159,000 | 195,000 |
| Pretax income | 238,000 | 557,000 | 760,000 | 1,213,000 |
| Income tax | 65,000 | 159,000 | 205,000 | 345,000 |
| Net income | 173,000 | 398,000 | 555,000 | 868,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,936,000 | 9,043,000 | 9,081,000 | 9,276,000 |
| Total capital | 9,900,000 | 10,014,000 | 10,133,000 | 10,353,000 |
| Risk-weighted assets | 79,196,000 | 81,953,000 | 86,153,000 | 90,698,000 |