Call reports 2005
COMMUNITY NATIONAL BANK — 2005
What COMMUNITY NATIONAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 134,698,000 | 134,073,000 | 131,209,000 | 126,342,000 |
| Total loans | 111,880,000 | 113,367,000 | 111,376,000 | 100,136,000 |
| Allowance for loan losses | 1,840,000 | 1,940,000 | 1,944,000 | 2,101,000 |
| Securities available for sale | 9,266,000 | 9,325,000 | 9,300,000 | 9,197,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,795,000 | 117,648,000 | 114,268,000 | 109,146,000 |
| Interest-bearing deposits | 108,389,000 | 108,722,000 | 104,996,000 | 96,684,000 |
| Noninterest-bearing deposits | 10,406,000 | 8,926,000 | 9,272,000 | 12,462,000 |
| Equity capital | 15,387,000 | 15,753,000 | 16,165,000 | 16,642,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,227,000 | 4,510,000 | 6,914,000 | 9,325,000 |
| Interest expense | 642,000 | 1,317,000 | 2,064,000 | 2,843,000 |
| Net interest income | 1,585,000 | 3,193,000 | 4,850,000 | 6,482,000 |
| Noninterest income | 321,000 | 644,000 | 909,000 | 1,151,000 |
| Noninterest expense | 1,091,000 | 2,169,000 | 3,212,000 | 4,285,000 |
| Provision for loan losses | 475,000 | 725,000 | 950,000 | 1,207,000 |
| Pretax income | 340,000 | 952,000 | 1,606,000 | 2,150,000 |
| Income tax | 38,000 | 323,000 | 549,000 | 547,000 |
| Net income | 302,000 | 629,000 | 1,057,000 | 1,603,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,132,000 | 15,479,000 | 15,899,000 | 16,227,000 |
| Total capital | 16,484,000 | 16,836,000 | 17,232,000 | 17,420,000 |
| Risk-weighted assets | 107,639,000 | 107,987,000 | 106,034,000 | 94,843,000 |