Call reports 2009
CONSUMERS NATIONAL BANK — 2009
What CONSUMERS NATIONAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 245,795,000 | 251,772,000 | 251,056,000 | 254,083,000 |
| Total loans | 158,737,000 | 160,142,000 | 162,119,000 | 166,782,000 |
| Allowance for loan losses | 2,062,000 | 1,992,000 | 2,095,000 | 2,169,000 |
| Securities available for sale | 63,415,000 | 60,775,000 | 63,590,000 | 63,124,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 197,785,000 | 204,178,000 | 203,756,000 | 208,940,000 |
| Interest-bearing deposits | 156,171,000 | 161,196,000 | 160,632,000 | 160,626,000 |
| Noninterest-bearing deposits | 41,614,000 | 42,981,000 | 43,124,000 | 48,313,000 |
| Equity capital | 18,906,000 | 19,285,000 | 20,908,000 | 20,504,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,152,000 | 6,336,000 | 9,525,000 | 12,711,000 |
| Interest expense | 894,000 | 1,719,000 | 2,503,000 | 3,214,000 |
| Net interest income | 2,258,000 | 4,617,000 | 7,022,000 | 9,497,000 |
| Noninterest income | 526,000 | 1,113,000 | 1,732,000 | 2,331,000 |
| Noninterest expense | 2,184,000 | 4,466,000 | 6,592,000 | 8,800,000 |
| Provision for loan losses | 165,000 | 303,000 | 504,000 | 646,000 |
| Pretax income | 612,000 | 1,174,000 | 1,947,000 | 2,593,000 |
| Income tax | 130,000 | 242,000 | 426,000 | 565,000 |
| Net income | 482,000 | 932,000 | 1,521,000 | 2,028,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,575,000 | 18,866,000 | 19,395,000 | 19,742,000 |
| Total capital | 22,637,000 | 22,858,000 | 23,490,000 | 23,911,000 |
| Risk-weighted assets | 178,580,000 | 179,846,000 | 177,586,000 | 181,188,000 |