Call reports 2003
CONSUMERS NATIONAL BANK — 2003
What CONSUMERS 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 | 182,015,000 | 181,840,000 | 182,339,000 | 179,262,000 |
| Total loans | 123,743,000 | 124,660,000 | 128,328,000 | 132,004,000 |
| Allowance for loan losses | 1,683,000 | 1,685,000 | 1,671,000 | 1,753,000 |
| Securities available for sale | 26,072,000 | 23,980,000 | 27,085,000 | 31,170,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 157,472,000 | 157,502,000 | 157,379,000 | 154,825,000 |
| Interest-bearing deposits | 124,788,000 | 124,082,000 | 121,840,000 | 119,250,000 |
| Noninterest-bearing deposits | 32,684,000 | 33,420,000 | 35,539,000 | 35,575,000 |
| Equity capital | 16,828,000 | 17,042,000 | 17,317,000 | 17,500,000 |
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 | 2,831,000 | 5,489,000 | 8,045,000 | 10,592,000 |
| Interest expense | 618,000 | 1,158,000 | 1,638,000 | 2,017,000 |
| Net interest income | 2,213,000 | 4,331,000 | 6,407,000 | 8,575,000 |
| Noninterest income | 525,000 | 920,000 | 1,520,000 | 2,073,000 |
| Noninterest expense | 1,864,000 | 3,665,000 | 5,515,000 | 7,508,000 |
| Provision for loan losses | 100,000 | 197,000 | 262,000 | 462,000 |
| Pretax income | 774,000 | 1,389,000 | 2,150,000 | 2,678,000 |
| Income tax | 233,000 | 408,000 | 645,000 | 791,000 |
| Net income | 541,000 | 981,000 | 1,505,000 | 1,887,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,060,000 | 15,369,000 | 15,762,000 | 16,012,000 |
| Total capital | 16,456,000 | 16,794,000 | 17,229,000 | 17,506,000 |
| Risk-weighted assets | 111,376,000 | 113,763,000 | 117,170,000 | 119,294,000 |