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 | 425,226,000 | 439,528,000 | 461,179,000 | 476,960,000 |
| Total loans | 355,357,000 | 372,660,000 | 384,951,000 | 399,422,000 |
| Allowance for loan losses | 4,266,000 | 4,530,000 | 4,545,000 | 5,210,000 |
| Securities available for sale | 4,031,000 | 3,691,000 | 3,102,000 | 15,921,000 |
| Securities held to maturity | 18,488,000 | 14,242,000 | 10,289,000 | 7,687,000 |
| Trading assets | 13,119,000 | 3,150,000 | 9,946,000 | 0 |
| Total deposits | 364,533,000 | 374,704,000 | 382,845,000 | 395,032,000 |
| Interest-bearing deposits | 307,711,000 | 310,250,000 | 315,285,000 | 325,447,000 |
| Noninterest-bearing deposits | 56,822,000 | 64,454,000 | 67,560,000 | 69,585,000 |
| Equity capital | 33,404,000 | 34,670,000 | 48,547,000 | 50,584,000 |
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 | 6,415,000 | 13,051,000 | 19,754,000 | 26,786,000 |
| Interest expense | 1,566,000 | 2,994,000 | 4,238,000 | 5,336,000 |
| Net interest income | 4,849,000 | 10,057,000 | 15,516,000 | 21,450,000 |
| Noninterest income | 1,782,000 | 3,566,000 | 5,578,000 | 7,690,000 |
| Noninterest expense | 3,915,000 | 8,039,000 | 12,341,000 | 16,675,000 |
| Provision for loan losses | 381,000 | 721,000 | 1,195,000 | 1,639,000 |
| Pretax income | 2,335,000 | 4,863,000 | 7,558,000 | 10,826,000 |
| Income tax | 964,000 | 1,950,000 | 2,979,000 | 4,148,000 |
| Net income | 1,371,000 | 2,913,000 | 4,579,000 | 6,678,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,127,000 | 34,354,000 | 48,252,000 | 50,334,000 |
| Total capital | 37,577,000 | 39,073,000 | 52,976,000 | 55,520,000 |
| Risk-weighted assets | 364,678,000 | 385,362,000 | 397,651,000 | 414,627,000 |