Call reports 2002
CONSUMERS NATIONAL BANK — 2002
What CONSUMERS NATIONAL BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 183,061,000 | 184,493,000 | 182,950,000 | 179,816,000 |
| Total loans | 132,029,000 | 125,123,000 | 124,758,000 | 125,128,000 |
| Allowance for loan losses | 1,611,000 | 1,669,000 | 1,696,000 | 1,707,000 |
| Securities available for sale | 27,210,000 | 33,077,000 | 30,989,000 | 30,673,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 161,127,000 | 160,068,000 | 157,732,000 | 155,058,000 |
| Interest-bearing deposits | 131,520,000 | 128,994,000 | 126,241,000 | 123,725,000 |
| Noninterest-bearing deposits | 29,607,000 | 31,074,000 | 31,491,000 | 31,333,000 |
| Equity capital | 14,855,000 | 15,579,000 | 16,211,000 | 16,540,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,296,000 | 6,511,000 | 9,676,000 | 12,657,000 |
| Interest expense | 923,000 | 1,758,000 | 2,557,000 | 3,280,000 |
| Net interest income | 2,373,000 | 4,753,000 | 7,119,000 | 9,377,000 |
| Noninterest income | 419,000 | 961,000 | 1,503,000 | 2,069,000 |
| Noninterest expense | 1,797,000 | 3,619,000 | 5,437,000 | 7,357,000 |
| Provision for loan losses | 223,000 | 416,000 | 534,000 | 633,000 |
| Pretax income | 772,000 | 1,679,000 | 2,651,000 | 3,465,000 |
| Income tax | 232,000 | 518,000 | 835,000 | 1,065,000 |
| Net income | 540,000 | 1,161,000 | 1,816,000 | 2,400,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,228,000 | 13,718,000 | 14,242,000 | 14,651,000 |
| Total capital | 14,782,000 | 15,184,000 | 15,717,000 | 16,062,000 |
| Risk-weighted assets | 124,245,000 | 117,061,000 | 117,810,000 | 112,622,000 |