Call reports 2011
CONSUMERS NATIONAL BANK — 2011
What CONSUMERS NATIONAL BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 289,733,000 | 300,042,000 | 315,515,000 | 311,445,000 |
| Total loans | 176,898,000 | 177,550,000 | 179,900,000 | 180,619,000 |
| Allowance for loan losses | 2,101,000 | 2,101,000 | 2,087,000 | 2,126,000 |
| Securities available for sale | 82,111,000 | 91,888,000 | 98,671,000 | 106,873,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 241,915,000 | 248,270,000 | 262,375,000 | 263,275,000 |
| Interest-bearing deposits | 181,093,000 | 183,589,000 | 193,684,000 | 204,829,000 |
| Noninterest-bearing deposits | 60,822,000 | 64,682,000 | 68,691,000 | 58,446,000 |
| Equity capital | 22,103,000 | 23,254,000 | 24,017,000 | 24,739,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,162,000 | 6,383,000 | 9,678,000 | 12,994,000 |
| Interest expense | 481,000 | 940,000 | 1,381,000 | 1,802,000 |
| Net interest income | 2,681,000 | 5,443,000 | 8,297,000 | 11,192,000 |
| Noninterest income | 540,000 | 1,115,000 | 1,719,000 | 2,295,000 |
| Noninterest expense | 2,388,000 | 4,766,000 | 7,266,000 | 9,728,000 |
| Provision for loan losses | 100,000 | 191,000 | 283,000 | 350,000 |
| Pretax income | 583,000 | 1,282,000 | 2,197,000 | 3,245,000 |
| Income tax | 106,000 | 251,000 | 463,000 | 719,000 |
| Net income | 477,000 | 1,031,000 | 1,734,000 | 2,526,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,730,000 | 22,175,000 | 22,717,000 | 23,274,000 |
| Total capital | 25,831,000 | 26,276,000 | 26,804,000 | 27,400,000 |
| Risk-weighted assets | 185,685,000 | 187,838,000 | 191,156,000 | 192,182,000 |