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 | 129,879,000 | 130,805,000 | 140,668,000 | 138,701,000 |
| Total loans | 106,870,000 | 102,634,000 | 106,928,000 | 111,767,000 |
| Allowance for loan losses | 1,223,000 | 1,238,000 | 1,254,000 | 1,275,000 |
| Securities available for sale | 6,471,000 | 7,970,000 | 8,950,000 | 8,932,000 |
| Securities held to maturity | 765,000 | 765,000 | 715,000 | 698,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,058,000 | 102,921,000 | 112,481,000 | 109,234,000 |
| Interest-bearing deposits | 86,272,000 | 87,888,000 | 87,375,000 | 95,233,000 |
| Noninterest-bearing deposits | 12,786,000 | 15,033,000 | 25,107,000 | 14,001,000 |
| Equity capital | 16,820,000 | 16,849,000 | 17,082,000 | 17,865,000 |
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 | 2,135,000 | 4,430,000 | 6,906,000 | 9,548,000 |
| Interest expense | 598,000 | 1,267,000 | 2,010,000 | 2,812,000 |
| Net interest income | 1,537,000 | 3,163,000 | 4,896,000 | 6,736,000 |
| Noninterest income | 183,000 | 537,000 | 724,000 | 1,088,000 |
| Noninterest expense | 1,092,000 | 2,305,000 | 3,572,000 | 4,830,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 613,000 | 1,365,000 | 2,003,000 | 2,934,000 |
| Income tax | 0 | 2,000 | 3,000 | 3,000 |
| Net income | 613,000 | 1,363,000 | 2,000,000 | 2,931,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,928,000 | 15,950,000 | 16,185,000 | 16,977,000 |
| Total capital | 17,151,000 | 17,188,000 | 17,439,000 | 18,252,000 |
| Risk-weighted assets | 122,354,000 | 119,195,000 | 123,254,000 | 129,219,000 |