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 |
|---|---|---|---|
| Total assets | 451,930,000 | 457,270,000 | 461,048,000 |
| Total loans | 214,712,000 | 222,329,000 | 232,355,000 |
| Allowance for loan losses | 2,747,000 | 2,784,000 | 2,851,000 |
| Securities available for sale | 52,087,000 | 49,630,000 | 42,751,000 |
| Securities held to maturity | 127,407,000 | 137,485,000 | 123,723,000 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 352,940,000 | 349,023,000 | 346,500,000 |
| Interest-bearing deposits | 274,629,000 | 269,444,000 | 262,551,000 |
| Noninterest-bearing deposits | 78,311,000 | 79,579,000 | 83,949,000 |
| Equity capital | 39,031,000 | 40,079,000 | 40,640,000 |
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 |
|---|---|---|---|
| Interest income | 5,465,000 | 10,850,000 | 16,084,000 |
| Interest expense | 1,269,000 | 2,502,000 | 3,718,000 |
| Net interest income | 4,196,000 | 8,348,000 | 12,366,000 |
| Noninterest income | 1,269,000 | 2,567,000 | 3,926,000 |
| Noninterest expense | 3,429,000 | 6,808,000 | 10,483,000 |
| Provision for loan losses | 45,000 | 80,000 | 125,000 |
| Pretax income | 2,109,000 | 4,251,000 | 6,004,000 |
| Income tax | 709,000 | 1,422,000 | 1,926,000 |
| Net income | 1,400,000 | 2,829,000 | 4,078,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 |
|---|---|---|---|
| Tier 1 capital | 37,475,000 | 38,209,000 | 40,205,000 |
| Total capital | 40,222,000 | 40,993,000 | 43,056,000 |
| Risk-weighted assets | 252,623,000 | 254,531,000 | 259,009,000 |