Call reports 2005
CONSUMERS NATIONAL BANK — 2005
What CONSUMERS NATIONAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 188,926,000 | 191,173,000 | 198,137,000 | 205,092,000 |
| Total loans | 147,920,000 | 149,663,000 | 147,944,000 | 149,650,000 |
| Allowance for loan losses | 1,473,000 | 1,523,000 | 1,425,000 | 1,570,000 |
| Securities available for sale | 25,794,000 | 24,732,000 | 33,334,000 | 37,484,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,286,000 | 162,668,000 | 161,507,000 | 158,717,000 |
| Interest-bearing deposits | 116,761,000 | 124,372,000 | 122,509,000 | 118,973,000 |
| Noninterest-bearing deposits | 37,525,000 | 38,296,000 | 38,997,000 | 39,744,000 |
| Equity capital | 18,918,000 | 19,123,000 | 19,099,000 | 19,290,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,550,000 | 5,170,000 | 7,891,000 | 10,757,000 |
| Interest expense | 430,000 | 878,000 | 1,477,000 | 2,224,000 |
| Net interest income | 2,120,000 | 4,292,000 | 6,414,000 | 8,533,000 |
| Noninterest income | 513,000 | 910,000 | 1,458,000 | 1,981,000 |
| Noninterest expense | 1,934,000 | 4,061,000 | 6,161,000 | 8,216,000 |
| Provision for loan losses | 56,000 | 101,000 | 143,000 | 325,000 |
| Pretax income | 643,000 | 1,040,000 | 1,568,000 | 1,973,000 |
| Income tax | 196,000 | 307,000 | 436,000 | 514,000 |
| Net income | 447,000 | 733,000 | 1,132,000 | 1,459,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,091,000 | 18,224,000 | 18,471,000 | 18,640,000 |
| Total capital | 19,564,000 | 19,747,000 | 19,896,000 | 20,210,000 |
| Risk-weighted assets | 144,591,000 | 147,803,000 | 149,738,000 | 152,641,000 |