Call reports 2004
COMMUNITY NATIONAL BANK — 2004
What COMMUNITY NATIONAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 326,846,000 | 308,443,000 | 324,440,000 | 334,632,000 |
| Total loans | 203,975,000 | 207,649,000 | 217,926,000 | 228,869,000 |
| Allowance for loan losses | 2,214,000 | 2,254,000 | 2,207,000 | 2,153,000 |
| Securities available for sale | 56,239,000 | 49,962,000 | 44,697,000 | 51,118,000 |
| Securities held to maturity | 46,660,000 | 21,453,000 | 39,398,000 | 31,579,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 274,813,000 | 253,049,000 | 274,777,000 | 283,245,000 |
| Interest-bearing deposits | 239,127,000 | 213,801,000 | 230,891,000 | 239,881,000 |
| Noninterest-bearing deposits | 35,686,000 | 39,248,000 | 43,886,000 | 43,364,000 |
| Equity capital | 27,960,000 | 27,497,000 | 28,202,000 | 27,639,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 4,161,000 | 8,339,000 | 12,510,000 | 16,966,000 |
| Interest expense | 1,255,000 | 2,482,000 | 3,627,000 | 4,762,000 |
| Net interest income | 2,906,000 | 5,857,000 | 8,883,000 | 12,204,000 |
| Noninterest income | 663,000 | 1,528,000 | 2,359,000 | 3,174,000 |
| Noninterest expense | 2,707,000 | 5,438,000 | 8,262,000 | 11,035,000 |
| Provision for loan losses | 51,000 | 85,000 | 95,000 | 95,000 |
| Pretax income | 811,000 | 1,881,000 | 2,929,000 | 4,292,000 |
| Income tax | 141,000 | 362,000 | 576,000 | 903,000 |
| Net income | 670,000 | 1,519,000 | 2,353,000 | 3,389,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,210,000 | 27,499,000 | 28,053,000 | 27,808,000 |
| Total capital | 29,420,000 | 29,664,000 | 30,260,000 | 29,961,000 |
| Risk-weighted assets | 176,789,000 | 173,145,000 | 187,222,000 | 196,168,000 |