Call reports 2002
COMMUNITY NATIONAL BANK — 2002
What COMMUNITY NATIONAL BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 167,839,000 | 175,122,000 | 173,401,000 | 164,553,000 |
| Total loans | 146,266,000 | 150,699,000 | 151,179,000 | 141,631,000 |
| Allowance for loan losses | 2,302,000 | 2,169,000 | 2,378,000 | 2,435,000 |
| Securities available for sale | 10,935,000 | 12,141,000 | 10,735,000 | 8,868,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 153,811,000 | 154,852,000 | 150,957,000 | 149,482,000 |
| Interest-bearing deposits | 145,771,000 | 146,637,000 | 144,344,000 | 139,862,000 |
| Noninterest-bearing deposits | 8,040,000 | 8,215,000 | 6,613,000 | 9,620,000 |
| Equity capital | 12,829,000 | 13,288,000 | 13,581,000 | 14,084,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,398,000 | 6,645,000 | 9,899,000 | 13,002,000 |
| Interest expense | 1,655,000 | 3,193,000 | 4,700,000 | 6,005,000 |
| Net interest income | 1,743,000 | 3,452,000 | 5,199,000 | 6,997,000 |
| Noninterest income | 289,000 | 599,000 | 910,000 | 1,172,000 |
| Noninterest expense | 1,000,000 | 2,032,000 | 3,071,000 | 3,974,000 |
| Provision for loan losses | 300,000 | 590,000 | 1,240,000 | 1,440,000 |
| Pretax income | 734,000 | 1,431,000 | 1,800,000 | 2,753,000 |
| Income tax | 209,000 | 489,000 | 623,000 | 1,044,000 |
| Net income | 525,000 | 942,000 | 1,177,000 | 1,709,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,635,000 | 13,072,000 | 13,267,000 | 13,800,000 |
| Total capital | 14,396,000 | 14,905,000 | 15,093,000 | 15,498,000 |
| Risk-weighted assets | 140,302,000 | 146,265,000 | 145,962,000 | 135,706,000 |