Call reports 2007
COMMUNITY NATIONAL BANK — 2007
What COMMUNITY NATIONAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 198,503,000 | 205,638,000 | 185,950,000 | 183,711,000 |
| Total loans | 111,583,000 | 116,420,000 | 110,962,000 | 110,080,000 |
| Allowance for loan losses | 1,315,000 | 1,419,000 | 1,365,000 | 1,333,000 |
| Securities available for sale | 41,322,000 | 39,979,000 | 50,267,000 | 46,991,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 171,082,000 | 178,517,000 | 159,599,000 | 157,434,000 |
| Interest-bearing deposits | 148,326,000 | 158,741,000 | 142,349,000 | 139,842,000 |
| Noninterest-bearing deposits | 22,756,000 | 19,776,000 | 17,250,000 | 17,592,000 |
| Equity capital | 13,287,000 | 13,213,000 | 13,512,000 | 13,815,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,950,000 | 6,666,000 | 9,796,000 | 12,670,000 |
| Interest expense | 1,404,000 | 3,092,000 | 4,504,000 | 5,720,000 |
| Net interest income | 1,546,000 | 3,574,000 | 5,292,000 | 6,950,000 |
| Noninterest income | 668,000 | 1,351,000 | 1,838,000 | 2,406,000 |
| Noninterest expense | 1,467,000 | 3,028,000 | 4,600,000 | 6,168,000 |
| Provision for loan losses | 85,000 | 192,000 | 234,000 | 250,000 |
| Pretax income | 662,000 | 1,705,000 | 2,296,000 | 2,938,000 |
| Income tax | 25,000 | 66,000 | 72,000 | 74,000 |
| Net income | 637,000 | 1,639,000 | 2,224,000 | 2,864,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,777,000 | 13,364,000 | 13,344,000 | 13,526,000 |
| Total capital | 14,092,000 | 14,783,000 | 14,709,000 | 14,859,000 |
| Risk-weighted assets | 120,100,000 | 125,564,000 | 119,110,000 | 117,746,000 |