Call reports 2013
CONSUMERS NATIONAL BANK — 2013
What CONSUMERS NATIONAL BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 349,587,000 | 343,559,000 | 359,787,000 | 362,325,000 |
| Total loans | 212,806,000 | 217,135,000 | 216,586,000 | 219,814,000 |
| Allowance for loan losses | 2,376,000 | 2,496,000 | 2,486,000 | 2,488,000 |
| Securities available for sale | 101,630,000 | 97,228,000 | 111,062,000 | 114,584,000 |
| Securities held to maturity | 0 | 3,000,000 | 3,000,000 | 3,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 299,296,000 | 294,145,000 | 299,070,000 | 299,783,000 |
| Interest-bearing deposits | 227,102,000 | 222,959,000 | 228,354,000 | 226,666,000 |
| Noninterest-bearing deposits | 72,194,000 | 71,186,000 | 70,716,000 | 73,117,000 |
| Equity capital | 29,077,000 | 28,012,000 | 35,564,000 | 35,632,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,220,000 | 6,479,000 | 9,769,000 | 13,175,000 |
| Interest expense | 304,000 | 573,000 | 828,000 | 1,073,000 |
| Net interest income | 2,916,000 | 5,906,000 | 8,941,000 | 12,102,000 |
| Noninterest income | 625,000 | 1,311,000 | 2,001,000 | 2,700,000 |
| Noninterest expense | 2,764,000 | 5,433,000 | 8,230,000 | 11,105,000 |
| Provision for loan losses | 90,000 | 256,000 | 389,000 | 424,000 |
| Pretax income | 787,000 | 1,661,000 | 2,456,000 | 3,438,000 |
| Income tax | 145,000 | 314,000 | 455,000 | 654,000 |
| Net income | 642,000 | 1,347,000 | 2,001,000 | 2,784,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,573,000 | 28,028,000 | 35,381,000 | 35,864,000 |
| Total capital | 29,949,000 | 30,524,000 | 37,867,000 | 38,352,000 |
| Risk-weighted assets | 228,960,000 | 234,401,000 | 242,932,000 | 245,514,000 |