Call reports 2004
CONSUMERS NATIONAL BANK — 2004
What CONSUMERS 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 | 186,311,000 | 185,956,000 | 189,973,000 | 190,313,000 |
| Total loans | 133,968,000 | 140,145,000 | 143,513,000 | 148,030,000 |
| Allowance for loan losses | 1,764,000 | 1,753,000 | 1,753,000 | 1,432,000 |
| Securities available for sale | 29,130,000 | 29,796,000 | 28,730,000 | 27,155,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 158,135,000 | 154,768,000 | 155,844,000 | 159,095,000 |
| Interest-bearing deposits | 122,179,000 | 118,370,000 | 118,514,000 | 117,976,000 |
| Noninterest-bearing deposits | 35,957,000 | 36,398,000 | 37,330,000 | 41,119,000 |
| Equity capital | 17,901,000 | 17,844,000 | 18,677,000 | 18,909,000 |
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 | 2,499,000 | 5,007,000 | 7,619,000 | 10,216,000 |
| Interest expense | 336,000 | 694,000 | 1,042,000 | 1,411,000 |
| Net interest income | 2,163,000 | 4,313,000 | 6,577,000 | 8,805,000 |
| Noninterest income | 504,000 | 1,093,000 | 1,719,000 | 2,248,000 |
| Noninterest expense | 1,858,000 | 3,570,000 | 5,483,000 | 7,466,000 |
| Provision for loan losses | 75,000 | 116,000 | 131,000 | 137,000 |
| Pretax income | 734,000 | 1,722,000 | 2,684,000 | 3,488,000 |
| Income tax | 220,000 | 532,000 | 821,000 | 1,067,000 |
| Net income | 514,000 | 1,190,000 | 1,863,000 | 2,421,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,348,000 | 16,871,000 | 17,393,000 | 17,798,000 |
| Total capital | 17,900,000 | 18,474,000 | 19,034,000 | 19,230,000 |
| Risk-weighted assets | 123,987,000 | 128,109,000 | 131,176,000 | 143,775,000 |