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 | 112,868,000 | 115,688,000 | 125,266,000 | 125,657,000 |
| Total loans | 97,804,000 | 101,361,000 | 107,549,000 | 103,062,000 |
| Allowance for loan losses | 1,106,000 | 1,125,000 | 1,115,000 | 1,147,000 |
| Securities available for sale | 0 | 2,007,000 | 3,505,000 | 4,990,000 |
| Securities held to maturity | 514,000 | 514,000 | 464,000 | 448,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,622,000 | 89,005,000 | 96,333,000 | 96,133,000 |
| Interest-bearing deposits | 75,330,000 | 77,601,000 | 82,271,000 | 81,446,000 |
| Noninterest-bearing deposits | 13,291,000 | 11,404,000 | 14,062,000 | 14,686,000 |
| Equity capital | 11,171,000 | 11,517,000 | 15,847,000 | 16,525,000 |
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 | 2,003,000 | 4,168,000 | 6,312,000 | 8,715,000 |
| Interest expense | 534,000 | 1,068,000 | 1,612,000 | 2,178,000 |
| Net interest income | 1,469,000 | 3,100,000 | 4,700,000 | 6,537,000 |
| Noninterest income | 150,000 | 322,000 | 502,000 | 733,000 |
| Noninterest expense | 964,000 | 1,981,000 | 3,071,000 | 4,060,000 |
| Provision for loan losses | 15,000 | 30,000 | 50,000 | 80,000 |
| Pretax income | 640,000 | 1,411,000 | 2,081,000 | 3,130,000 |
| Income tax | 0 | 8,000 | 8,000 | 8,000 |
| Net income | 640,000 | 1,403,000 | 2,073,000 | 3,122,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,253,000 | 10,599,000 | 14,929,000 | 15,625,000 |
| Total capital | 11,359,000 | 11,724,000 | 16,044,000 | 16,772,000 |
| Risk-weighted assets | 106,009,000 | 111,920,000 | 120,633,000 | 120,996,000 |