Call reports 2004
COMMUNITY NATIONAL BANK — 2004
What COMMUNITY NATIONAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 142,959,000 | 137,256,000 | 140,256,000 | 139,039,000 |
| Total loans | 119,622,000 | 120,613,000 | 120,739,000 | 112,404,000 |
| Allowance for loan losses | 2,189,000 | 2,343,000 | 2,145,000 | 2,085,000 |
| Securities available for sale | 7,542,000 | 10,154,000 | 10,380,000 | 10,139,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,218,000 | 122,580,000 | 121,934,000 | 123,483,000 |
| Interest-bearing deposits | 116,850,000 | 113,618,000 | 113,027,000 | 110,495,000 |
| Noninterest-bearing deposits | 10,368,000 | 8,962,000 | 8,907,000 | 12,988,000 |
| Equity capital | 15,239,000 | 14,168,000 | 14,713,000 | 15,205,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,242,000 | 4,446,000 | 6,672,000 | 8,904,000 |
| Interest expense | 674,000 | 1,310,000 | 1,950,000 | 2,605,000 |
| Net interest income | 1,568,000 | 3,136,000 | 4,722,000 | 6,299,000 |
| Noninterest income | 221,000 | 506,000 | 753,000 | 969,000 |
| Noninterest expense | 1,075,000 | 2,195,000 | 3,301,000 | 4,317,000 |
| Provision for loan losses | 650,000 | 2,628,000 | 2,953,000 | 2,953,000 |
| Pretax income | 64,000 | -1,181,000 | -779,000 | -2,000 |
| Income tax | 30,000 | -400,000 | -360,000 | -103,000 |
| Net income | 34,000 | -781,000 | -419,000 | 101,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,959,000 | 14,012,000 | 14,448,000 | 14,892,000 |
| Total capital | 16,389,000 | 15,438,000 | 15,895,000 | 16,250,000 |
| Risk-weighted assets | 113,615,000 | 113,154,000 | 114,565,000 | 107,926,000 |