Call reports 2005
COMMUNITY NATIONAL BANK — 2005
What COMMUNITY NATIONAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 333,578,000 | 320,385,000 | 350,170,000 | 353,738,000 |
| Total loans | 228,987,000 | 234,037,000 | 244,888,000 | 251,525,000 |
| Allowance for loan losses | 2,163,000 | 2,170,000 | 2,189,000 | 2,189,000 |
| Securities available for sale | 47,657,000 | 42,797,000 | 41,634,000 | 36,422,000 |
| Securities held to maturity | 33,515,000 | 18,326,000 | 35,406,000 | 28,392,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 275,153,000 | 259,629,000 | 284,842,000 | 294,426,000 |
| Interest-bearing deposits | 233,079,000 | 214,743,000 | 233,943,000 | 248,463,000 |
| Noninterest-bearing deposits | 42,074,000 | 44,886,000 | 50,899,000 | 45,963,000 |
| Equity capital | 28,141,000 | 28,816,000 | 28,671,000 | 29,396,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 4,357,000 | 8,780,000 | 13,428,000 | 18,357,000 |
| Interest expense | 1,180,000 | 2,500,000 | 3,893,000 | 5,427,000 |
| Net interest income | 3,177,000 | 6,280,000 | 9,535,000 | 12,930,000 |
| Noninterest income | 695,000 | 1,491,000 | 2,312,000 | 3,173,000 |
| Noninterest expense | 2,914,000 | 5,809,000 | 8,672,000 | 11,575,000 |
| Provision for loan losses | 38,000 | 75,000 | 113,000 | 150,000 |
| Pretax income | 920,000 | 1,887,000 | 3,062,000 | 4,378,000 |
| Income tax | 165,000 | 336,000 | 571,000 | 847,000 |
| Net income | 755,000 | 1,551,000 | 2,491,000 | 3,531,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,563,000 | 29,099,000 | 29,017,000 | 29,848,000 |
| Total capital | 30,726,000 | 31,269,000 | 31,206,000 | 32,037,000 |
| Risk-weighted assets | 197,570,000 | 200,062,000 | 212,031,000 | 216,783,000 |