Call reports 2008
CONSUMERS NATIONAL BANK — 2008
What CONSUMERS NATIONAL BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 243,290,000 | 232,992,000 | 238,372,000 | 239,500,000 |
| Total loans | 148,970,000 | 152,350,000 | 154,308,000 | 157,133,000 |
| Allowance for loan losses | 1,655,000 | 1,708,000 | 1,843,000 | 1,969,000 |
| Securities available for sale | 58,376,000 | 59,212,000 | 61,595,000 | 63,890,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,161,000 | 189,021,000 | 191,279,000 | 193,428,000 |
| Interest-bearing deposits | 142,308,000 | 144,364,000 | 142,606,000 | 148,399,000 |
| Noninterest-bearing deposits | 43,853,000 | 44,657,000 | 48,673,000 | 45,029,000 |
| Equity capital | 18,143,000 | 17,368,000 | 16,934,000 | 18,838,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,488,000 | 6,862,000 | 10,268,000 | 13,705,000 |
| Interest expense | 1,287,000 | 2,376,000 | 3,384,000 | 4,370,000 |
| Net interest income | 2,201,000 | 4,486,000 | 6,884,000 | 9,335,000 |
| Noninterest income | 611,000 | 1,227,000 | 1,919,000 | 2,451,000 |
| Noninterest expense | 2,207,000 | 4,415,000 | 6,599,000 | 8,793,000 |
| Provision for loan losses | 113,000 | 222,000 | 369,000 | 498,000 |
| Pretax income | 521,000 | 1,106,000 | 1,869,000 | 2,544,000 |
| Income tax | 102,000 | 222,000 | 401,000 | 551,000 |
| Net income | 419,000 | 884,000 | 1,468,000 | 1,993,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,158,000 | 17,463,000 | 17,889,000 | 18,254,000 |
| Total capital | 20,813,000 | 21,172,000 | 21,732,000 | 22,223,000 |
| Risk-weighted assets | 164,799,000 | 166,267,000 | 169,913,000 | 171,484,000 |