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 | 501,681,000 | 532,487,000 | 540,996,000 | 640,737,000 |
| Total loans | 421,855,000 | 447,046,000 | 455,247,000 | 539,521,000 |
| Allowance for loan losses | 5,428,000 | 5,715,000 | 6,029,000 | 7,508,000 |
| Securities available for sale | 15,551,000 | 13,364,000 | 12,605,000 | 26,562,000 |
| Securities held to maturity | 6,704,000 | 4,951,000 | 4,497,000 | 4,198,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 430,344,000 | 447,234,000 | 465,375,000 | 551,551,000 |
| Interest-bearing deposits | 353,308,000 | 364,656,000 | 373,103,000 | 439,975,000 |
| Noninterest-bearing deposits | 77,036,000 | 82,578,000 | 92,272,000 | 111,575,000 |
| Equity capital | 52,772,000 | 54,737,000 | 48,851,000 | 76,307,000 |
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 | 7,171,000 | 14,631,000 | 22,438,000 | 32,623,000 |
| Interest expense | 1,076,000 | 2,120,000 | 3,281,000 | 4,731,000 |
| Net interest income | 6,095,000 | 12,511,000 | 19,157,000 | 27,892,000 |
| Noninterest income | 1,858,000 | 4,384,000 | 7,147,000 | 9,975,000 |
| Noninterest expense | 4,418,000 | 9,574,000 | 15,033,000 | 21,985,000 |
| Provision for loan losses | 228,000 | 513,000 | 838,000 | 1,176,000 |
| Pretax income | 3,307,000 | 6,808,000 | 10,433,000 | 14,706,000 |
| Income tax | 1,248,000 | 2,582,000 | 3,979,000 | 5,552,000 |
| Net income | 2,059,000 | 4,226,000 | 6,454,000 | 9,154,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,384,000 | 54,534,000 | 48,492,000 | 58,569,000 |
| Total capital | 57,825,000 | 60,452,000 | 54,571,000 | 65,935,000 |
| Risk-weighted assets | 435,093,000 | 478,661,000 | 486,234,000 | 589,000,000 |