Call reports 2012
CONSUMERS NATIONAL BANK — 2012
What CONSUMERS NATIONAL BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 330,000,000 | 334,918,000 | 337,036,000 | 344,952,000 |
| Total loans | 184,076,000 | 197,806,000 | 202,527,000 | 205,998,000 |
| Allowance for loan losses | 2,214,000 | 2,335,000 | 2,338,000 | 2,367,000 |
| Securities available for sale | 109,772,000 | 105,335,000 | 105,661,000 | 109,478,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 279,335,000 | 284,558,000 | 284,529,000 | 292,294,000 |
| Interest-bearing deposits | 215,387,000 | 218,567,000 | 218,325,000 | 221,192,000 |
| Noninterest-bearing deposits | 63,948,000 | 65,992,000 | 66,204,000 | 71,102,000 |
| Equity capital | 25,388,000 | 25,785,000 | 26,663,000 | 27,016,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,275,000 | 6,518,000 | 9,833,000 | 13,197,000 |
| Interest expense | 384,000 | 757,000 | 1,122,000 | 1,480,000 |
| Net interest income | 2,891,000 | 5,761,000 | 8,711,000 | 11,717,000 |
| Noninterest income | 612,000 | 1,228,000 | 1,865,000 | 2,532,000 |
| Noninterest expense | 2,578,000 | 5,219,000 | 8,031,000 | 10,699,000 |
| Provision for loan losses | 11,000 | 156,000 | 181,000 | 237,000 |
| Pretax income | 876,000 | 1,603,000 | 2,374,000 | 3,326,000 |
| Income tax | 193,000 | 327,000 | 470,000 | 670,000 |
| Net income | 683,000 | 1,276,000 | 1,904,000 | 2,656,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,777,000 | 24,181,000 | 24,619,000 | 25,181,000 |
| Total capital | 27,991,000 | 28,516,000 | 28,957,000 | 29,548,000 |
| Risk-weighted assets | 197,938,000 | 212,194,000 | 217,262,000 | 220,597,000 |