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 | 100,947,000 | 106,376,000 | 110,617,000 | 107,446,000 |
| Total loans | 89,659,000 | 94,940,000 | 94,017,000 | 93,734,000 |
| Allowance for loan losses | 847,000 | 925,000 | 1,008,000 | 1,091,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 654,000 | 654,000 | 550,000 | 534,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,386,000 | 82,197,000 | 86,445,000 | 83,214,000 |
| Interest-bearing deposits | 66,415,000 | 70,022,000 | 72,524,000 | 68,661,000 |
| Noninterest-bearing deposits | 9,971,000 | 12,175,000 | 13,921,000 | 14,553,000 |
| Equity capital | 10,376,000 | 10,159,000 | 10,991,000 | 11,217,000 |
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 | 2,036,000 | 4,137,000 | 7,104,000 | 9,269,000 |
| Interest expense | 609,000 | 1,183,000 | 1,753,000 | 2,284,000 |
| Net interest income | 1,427,000 | 2,954,000 | 5,351,000 | 6,985,000 |
| Noninterest income | 117,000 | 239,000 | 370,000 | 487,000 |
| Noninterest expense | 873,000 | 1,752,000 | 2,911,000 | 3,887,000 |
| Provision for loan losses | 106,000 | 210,000 | 496,000 | 550,000 |
| Pretax income | 565,000 | 1,231,000 | 2,314,000 | 3,035,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 564,000 | 1,230,000 | 2,313,000 | 3,034,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,436,000 | 9,227,000 | 10,067,000 | 10,299,000 |
| Total capital | 10,283,000 | 10,152,000 | 11,075,000 | 11,390,000 |
| Risk-weighted assets | 91,342,000 | 95,523,000 | 98,750,000 | 99,429,000 |