Call reports 2008
COMMUNITY NATIONAL BANK — 2008
What COMMUNITY NATIONAL BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 184,440,000 | 186,595,000 | 188,040,000 | 195,717,000 |
| Total loans | 107,398,000 | 110,142,000 | 113,313,000 | 117,657,000 |
| Allowance for loan losses | 1,237,000 | 1,157,000 | 1,216,000 | 1,327,000 |
| Securities available for sale | 44,758,000 | 53,287,000 | 54,222,000 | 58,463,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 156,501,000 | 154,224,000 | 151,647,000 | 147,261,000 |
| Interest-bearing deposits | 138,614,000 | 135,079,000 | 131,810,000 | 127,233,000 |
| Noninterest-bearing deposits | 17,887,000 | 19,145,000 | 19,837,000 | 20,028,000 |
| Equity capital | 14,561,000 | 13,822,000 | 13,572,000 | 14,650,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,655,000 | 5,137,000 | 7,651,000 | 10,151,000 |
| Interest expense | 1,000,000 | 1,815,000 | 2,601,000 | 3,361,000 |
| Net interest income | 1,655,000 | 3,322,000 | 5,050,000 | 6,790,000 |
| Noninterest income | 563,000 | 1,105,000 | 1,493,000 | 1,933,000 |
| Noninterest expense | 1,582,000 | 3,135,000 | 4,685,000 | 6,388,000 |
| Provision for loan losses | 15,000 | 135,000 | 195,000 | 332,000 |
| Pretax income | 621,000 | 1,165,000 | 1,671,000 | 1,974,000 |
| Income tax | 26,000 | 43,000 | 64,000 | 75,000 |
| Net income | 595,000 | 1,122,000 | 1,607,000 | 1,899,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,853,000 | 14,166,000 | 14,460,000 | 14,536,000 |
| Total capital | 15,090,000 | 15,323,000 | 15,676,000 | 15,863,000 |
| Risk-weighted assets | 115,698,000 | 120,335,000 | 123,620,000 | 132,708,000 |