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 | 495,522,000 | 482,010,000 | 488,816,000 | 486,950,000 |
| Total loans | 358,378,000 | 357,433,000 | 358,750,000 | 365,693,000 |
| Allowance for loan losses | 2,970,000 | 3,013,000 | 3,059,000 | 3,233,000 |
| Securities available for sale | 38,366,000 | 30,962,000 | 29,639,000 | 29,449,000 |
| Securities held to maturity | 44,212,000 | 39,629,000 | 46,368,000 | 37,288,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 412,869,000 | 390,017,000 | 407,925,000 | 402,458,000 |
| Interest-bearing deposits | 361,709,000 | 337,129,000 | 353,373,000 | 352,106,000 |
| Noninterest-bearing deposits | 51,160,000 | 52,888,000 | 54,552,000 | 50,352,000 |
| Equity capital | 46,268,000 | 46,898,000 | 47,680,000 | 47,620,000 |
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 | 7,129,000 | 13,823,000 | 20,558,000 | 27,059,000 |
| Interest expense | 3,128,000 | 5,747,000 | 8,092,000 | 10,360,000 |
| Net interest income | 4,001,000 | 8,076,000 | 12,466,000 | 16,699,000 |
| Noninterest income | 895,000 | 2,112,000 | 3,196,000 | 4,037,000 |
| Noninterest expense | 4,502,000 | 8,482,000 | 12,276,000 | 16,261,000 |
| Provision for loan losses | 62,000 | 125,000 | 237,000 | 499,000 |
| Pretax income | 332,000 | 1,581,000 | 3,149,000 | 3,976,000 |
| Income tax | -123,000 | 53,000 | 338,000 | 389,000 |
| Net income | 455,000 | 1,528,000 | 2,323,000 | 3,099,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,324,000 | 32,742,000 | 32,235,000 | 34,122,000 |
| Total capital | 34,294,000 | 35,755,000 | 35,294,000 | 37,355,000 |
| Risk-weighted assets | 326,464,000 | 323,788,000 | 328,189,000 | 332,138,000 |