Call reports 2006
COMMUNITY NATIONAL BANK — 2006
What COMMUNITY NATIONAL BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 145,982,000 | 147,102,000 | 163,002,000 | 195,070,000 |
| Total loans | 107,256,000 | 107,096,000 | 110,490,000 | 110,933,000 |
| Allowance for loan losses | 1,209,000 | 1,219,000 | 1,246,000 | 1,249,000 |
| Securities available for sale | 26,419,000 | 27,220,000 | 41,275,000 | 51,166,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,426,000 | 120,923,000 | 125,292,000 | 168,532,000 |
| Interest-bearing deposits | 101,964,000 | 105,581,000 | 109,534,000 | 143,430,000 |
| Noninterest-bearing deposits | 16,462,000 | 15,342,000 | 15,758,000 | 25,102,000 |
| Equity capital | 10,127,000 | 10,170,000 | 11,261,000 | 12,960,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,306,000 | 4,738,000 | 7,339,000 | 10,816,000 |
| Interest expense | 885,000 | 1,858,000 | 3,012,000 | 4,595,000 |
| Net interest income | 1,421,000 | 2,880,000 | 4,327,000 | 6,221,000 |
| Noninterest income | 473,000 | 987,000 | 1,504,000 | 2,111,000 |
| Noninterest expense | 1,321,000 | 2,556,000 | 3,749,000 | 5,120,000 |
| Provision for loan losses | 54,000 | 63,000 | 97,000 | 141,000 |
| Pretax income | 519,000 | 1,248,000 | 1,985,000 | 3,071,000 |
| Income tax | 19,000 | 47,000 | 80,000 | 101,000 |
| Net income | 500,000 | 1,201,000 | 1,905,000 | 2,970,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,447,000 | 10,826,000 | 11,156,000 | 12,450,000 |
| Total capital | 11,656,000 | 12,045,000 | 12,402,000 | 13,699,000 |
| Risk-weighted assets | 105,267,000 | 104,787,000 | 101,156,000 | 115,762,000 |