Call reports 2010
CONSUMERS NATIONAL BANK — 2010
What CONSUMERS NATIONAL BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 257,852,000 | 263,354,000 | 270,837,000 | 276,983,000 |
| Total loans | 170,196,000 | 174,284,000 | 174,517,000 | 176,679,000 |
| Allowance for loan losses | 2,270,000 | 2,276,000 | 2,357,000 | 2,266,000 |
| Securities available for sale | 66,309,000 | 64,261,000 | 71,508,000 | 74,598,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 211,325,000 | 216,427,000 | 220,796,000 | 229,571,000 |
| Interest-bearing deposits | 165,879,000 | 168,655,000 | 171,768,000 | 177,238,000 |
| Noninterest-bearing deposits | 45,446,000 | 47,773,000 | 49,028,000 | 52,334,000 |
| Equity capital | 20,869,000 | 21,577,000 | 22,196,000 | 21,664,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,118,000 | 6,300,000 | 9,553,000 | 12,751,000 |
| Interest expense | 619,000 | 1,225,000 | 1,813,000 | 2,361,000 |
| Net interest income | 2,499,000 | 5,075,000 | 7,740,000 | 10,390,000 |
| Noninterest income | 486,000 | 1,059,000 | 1,635,000 | 2,202,000 |
| Noninterest expense | 2,265,000 | 4,491,000 | 6,788,000 | 9,102,000 |
| Provision for loan losses | 110,000 | 201,000 | 303,000 | 445,000 |
| Pretax income | 510,000 | 1,217,000 | 2,076,000 | 2,839,000 |
| Income tax | 92,000 | 250,000 | 458,000 | 629,000 |
| Net income | 418,000 | 967,000 | 1,618,000 | 2,210,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,000,000 | 20,388,000 | 20,880,000 | 21,362,000 |
| Total capital | 24,214,000 | 24,653,000 | 25,181,000 | 25,628,000 |
| Risk-weighted assets | 182,090,000 | 184,503,000 | 186,695,000 | 185,753,000 |