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 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 161,757,000 | 164,014,000 | 159,780,000 | 152,618,000 |
| Total loans | 136,994,000 | 139,908,000 | 135,244,000 | 121,426,000 |
| Allowance for loan losses | 2,355,000 | 2,135,000 | 2,404,000 | 2,225,000 |
| Securities available for sale | 7,413,000 | 6,427,000 | 6,104,000 | 9,580,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,943,000 | 140,120,000 | 135,701,000 | 136,745,000 |
| Interest-bearing deposits | 137,380,000 | 132,181,000 | 126,342,000 | 121,833,000 |
| Noninterest-bearing deposits | 8,563,000 | 7,939,000 | 9,359,000 | 14,912,000 |
| Equity capital | 14,574,000 | 14,961,000 | 14,902,000 | 15,178,000 |
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 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,942,000 | 5,547,000 | 8,189,000 | 10,567,000 |
| Interest expense | 1,144,000 | 2,187,000 | 3,091,000 | 3,865,000 |
| Net interest income | 1,798,000 | 3,360,000 | 5,098,000 | 6,702,000 |
| Noninterest income | 225,000 | 586,000 | 898,000 | 1,134,000 |
| Noninterest expense | 1,027,000 | 2,109,000 | 3,219,000 | 4,307,000 |
| Provision for loan losses | 300,000 | 572,000 | 1,272,000 | 1,872,000 |
| Pretax income | 696,000 | 1,265,000 | 1,505,000 | 1,657,000 |
| Income tax | 236,000 | 427,000 | 644,000 | 505,000 |
| Net income | 460,000 | 838,000 | 861,000 | 1,152,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,275,000 | 14,571,000 | 14,765,000 | 14,911,000 |
| Total capital | 15,942,000 | 16,243,000 | 16,398,000 | 16,372,000 |
| Risk-weighted assets | 132,635,000 | 133,749,000 | 129,885,000 | 116,107,000 |