Call reports 2007
CONSUMERS NATIONAL BANK — 2007
What CONSUMERS NATIONAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 203,081,000 | 201,930,000 | 207,052,000 | 223,173,000 |
| Total loans | 142,874,000 | 141,447,000 | 143,365,000 | 147,930,000 |
| Allowance for loan losses | 1,679,000 | 1,381,000 | 1,440,000 | 1,518,000 |
| Securities available for sale | 42,771,000 | 42,133,000 | 47,505,000 | 58,551,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,080,000 | 169,653,000 | 171,774,000 | 179,082,000 |
| Interest-bearing deposits | 132,740,000 | 127,421,000 | 130,612,000 | 133,983,000 |
| Noninterest-bearing deposits | 40,340,000 | 42,232,000 | 41,162,000 | 45,099,000 |
| Equity capital | 17,493,000 | 16,776,000 | 17,373,000 | 17,483,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,053,000 | 6,243,000 | 9,512,000 | 12,922,000 |
| Interest expense | 1,015,000 | 2,103,000 | 3,252,000 | 4,516,000 |
| Net interest income | 2,038,000 | 4,140,000 | 6,260,000 | 8,406,000 |
| Noninterest income | 544,000 | 980,000 | 1,526,000 | 2,128,000 |
| Noninterest expense | 2,110,000 | 4,218,000 | 6,225,000 | 8,250,000 |
| Provision for loan losses | 118,000 | 385,000 | 485,000 | 594,000 |
| Pretax income | 354,000 | 541,000 | 1,096,000 | 1,710,000 |
| Income tax | 58,000 | 52,000 | 174,000 | 313,000 |
| Net income | 296,000 | 489,000 | 922,000 | 1,397,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,962,000 | 16,814,000 | 16,983,000 | 16,699,000 |
| Total capital | 20,641,000 | 20,195,000 | 20,423,000 | 20,217,000 |
| Risk-weighted assets | 150,518,000 | 150,802,000 | 151,863,000 | 159,914,000 |