Call reports 2009
COMMUNITY NATIONAL BANK — 2009
What COMMUNITY NATIONAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 56,077,000 | 47,801,000 | 42,186,000 | 40,349,000 |
| Total loans | 29,920,000 | 23,548,000 | 20,405,000 | 19,081,000 |
| Allowance for loan losses | 1,564,000 | 1,532,000 | 1,035,000 | 872,000 |
| Securities available for sale | 6,029,000 | 5,061,000 | 5,048,000 | 4,034,000 |
| Securities held to maturity | 202,000 | 202,000 | 135,000 | 114,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,300,000 | 38,956,000 | 37,045,000 | 35,616,000 |
| Interest-bearing deposits | 41,632,000 | 35,439,000 | 33,024,000 | 32,352,000 |
| Noninterest-bearing deposits | 4,668,000 | 3,517,000 | 4,020,000 | 3,264,000 |
| Equity capital | 7,171,000 | 6,604,000 | 5,054,000 | 4,512,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 470,000 | 985,000 | 1,345,000 | 1,643,000 |
| Interest expense | 383,000 | 751,000 | 1,031,000 | 1,249,000 |
| Net interest income | 87,000 | 234,000 | 314,000 | 394,000 |
| Noninterest income | -890,000 | -837,000 | -1,627,000 | -1,429,000 |
| Noninterest expense | 952,000 | 1,926,000 | 2,781,000 | 3,667,000 |
| Provision for loan losses | 120,000 | 160,000 | 160,000 | 160,000 |
| Pretax income | -1,875,000 | -2,689,000 | -4,254,000 | -4,862,000 |
| Income tax | 0 | -260,000 | -281,000 | -351,000 |
| Net income | -1,875,000 | -2,429,000 | -3,973,000 | -4,511,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,148,000 | 6,594,000 | 5,050,000 | 4,512,000 |
| Total capital | 7,703,000 | 7,085,000 | 5,501,000 | 4,940,000 |
| Risk-weighted assets | 43,407,000 | 38,240,000 | 35,362,000 | 33,661,000 |