Call reports 2003
COMMUNITY NATIONAL BANK — 2003
What COMMUNITY NATIONAL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 305,343,000 | 296,509,000 | 320,057,000 | 330,669,000 |
| Total loans | 202,391,000 | 203,460,000 | 202,112,000 | 205,725,000 |
| Allowance for loan losses | 2,217,000 | 2,220,000 | 2,213,000 | 2,199,000 |
| Securities available for sale | 43,967,000 | 47,262,000 | 48,442,000 | 56,287,000 |
| Securities held to maturity | 38,645,000 | 22,834,000 | 48,587,000 | 41,564,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 259,769,000 | 246,528,000 | 274,422,000 | 280,079,000 |
| Interest-bearing deposits | 225,897,000 | 209,837,000 | 235,661,000 | 241,481,000 |
| Noninterest-bearing deposits | 33,872,000 | 36,691,000 | 38,761,000 | 38,598,000 |
| Equity capital | 24,729,000 | 26,098,000 | 26,599,000 | 27,256,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 4,333,000 | 8,734,000 | 13,275,000 | 17,626,000 |
| Interest expense | 1,429,000 | 2,803,000 | 4,092,000 | 5,359,000 |
| Net interest income | 2,904,000 | 5,931,000 | 9,183,000 | 12,267,000 |
| Noninterest income | 803,000 | 1,793,000 | 2,561,000 | 3,290,000 |
| Noninterest expense | 2,533,000 | 5,111,000 | 7,799,000 | 10,669,000 |
| Provision for loan losses | 75,000 | 93,000 | 103,000 | 123,000 |
| Pretax income | 1,242,000 | 2,663,000 | 3,985,000 | 4,908,000 |
| Income tax | 312,000 | 614,000 | 915,000 | 1,030,000 |
| Net income | 930,000 | 2,049,000 | 3,070,000 | 3,878,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,718,000 | 24,869,000 | 25,942,000 | 26,750,000 |
| Total capital | 25,759,000 | 26,914,000 | 28,083,000 | 28,949,000 |
| Risk-weighted assets | 163,119,000 | 163,441,000 | 171,229,000 | 176,275,000 |