Call reports 2005
COMMUNITY NATIONAL BANK — 2005
What COMMUNITY NATIONAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 129,070,000 | 132,586,000 | 132,342,000 | 142,488,000 |
| Total loans | 94,281,000 | 99,294,000 | 101,342,000 | 105,052,000 |
| Allowance for loan losses | 1,138,000 | 1,207,000 | 1,184,000 | 1,266,000 |
| Securities available for sale | 22,581,000 | 22,813,000 | 19,872,000 | 21,836,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,771,000 | 106,968,000 | 105,952,000 | 116,443,000 |
| Interest-bearing deposits | 89,175,000 | 90,210,000 | 91,769,000 | 100,043,000 |
| Noninterest-bearing deposits | 14,596,000 | 16,758,000 | 14,183,000 | 16,400,000 |
| Equity capital | 9,397,000 | 9,764,000 | 9,946,000 | 9,893,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,776,000 | 3,698,000 | 5,726,000 | 7,943,000 |
| Interest expense | 532,000 | 1,129,000 | 1,812,000 | 2,580,000 |
| Net interest income | 1,244,000 | 2,569,000 | 3,914,000 | 5,363,000 |
| Noninterest income | 470,000 | 994,000 | 1,533,000 | 2,058,000 |
| Noninterest expense | 1,288,000 | 2,593,000 | 3,864,000 | 5,126,000 |
| Provision for loan losses | 61,000 | 111,000 | 114,000 | 218,000 |
| Pretax income | 410,000 | 905,000 | 1,593,000 | 2,154,000 |
| Income tax | 123,000 | 275,000 | 492,000 | 635,000 |
| Net income | 287,000 | 630,000 | 1,101,000 | 1,519,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,446,000 | 9,670,000 | 10,020,000 | 10,320,000 |
| Total capital | 10,584,000 | 10,877,000 | 11,204,000 | 11,586,000 |
| Risk-weighted assets | 95,266,000 | 99,116,000 | 99,534,000 | 104,620,000 |