Call reports 2006
CONSUMERS NATIONAL BANK — 2006
What CONSUMERS NATIONAL BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 204,275,000 | 203,506,000 | 201,372,000 | 200,413,000 |
| Total loans | 150,049,000 | 148,002,000 | 144,661,000 | 144,594,000 |
| Allowance for loan losses | 1,509,000 | 1,557,000 | 1,710,000 | 1,729,000 |
| Securities available for sale | 36,746,000 | 37,470,000 | 40,114,000 | 38,805,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,361,000 | 167,862,000 | 166,350,000 | 170,866,000 |
| Interest-bearing deposits | 126,485,000 | 125,439,000 | 124,984,000 | 128,759,000 |
| Noninterest-bearing deposits | 38,876,000 | 42,423,000 | 41,366,000 | 42,107,000 |
| Equity capital | 19,404,000 | 16,524,000 | 17,718,000 | 17,645,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,898,000 | 5,845,000 | 8,893,000 | 11,982,000 |
| Interest expense | 830,000 | 1,684,000 | 2,664,000 | 3,653,000 |
| Net interest income | 2,068,000 | 4,161,000 | 6,229,000 | 8,329,000 |
| Noninterest income | 466,000 | 1,037,000 | 1,587,000 | 2,147,000 |
| Noninterest expense | 2,063,000 | 4,097,000 | 6,052,000 | 8,054,000 |
| Provision for loan losses | 90,000 | 506,000 | 677,000 | 849,000 |
| Pretax income | 381,000 | 595,000 | 1,087,000 | 1,573,000 |
| Income tax | 72,000 | 89,000 | 195,000 | 299,000 |
| Net income | 309,000 | 506,000 | 892,000 | 1,274,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,838,000 | 16,426,000 | 16,853,000 | 17,126,000 |
| Total capital | 20,347,000 | 19,983,000 | 20,563,000 | 20,855,000 |
| Risk-weighted assets | 153,504,000 | 153,896,000 | 150,674,000 | 150,788,000 |