Call reports 2014
CONSUMERS NATIONAL BANK — 2014
What CONSUMERS NATIONAL BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 374,350,000 | 381,001,000 | 388,036,000 | 396,566,000 |
| Total loans | 218,443,000 | 225,524,000 | 223,674,000 | 228,699,000 |
| Allowance for loan losses | 2,337,000 | 2,405,000 | 2,419,000 | 2,452,000 |
| Securities available for sale | 122,500,000 | 124,404,000 | 131,441,000 | 130,368,000 |
| Securities held to maturity | 3,000,000 | 3,000,000 | 2,910,000 | 3,690,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 309,734,000 | 313,914,000 | 316,219,000 | 324,668,000 |
| Interest-bearing deposits | 239,095,000 | 238,544,000 | 239,389,000 | 241,003,000 |
| Noninterest-bearing deposits | 70,639,000 | 75,371,000 | 76,829,000 | 83,666,000 |
| Equity capital | 36,723,000 | 38,085,000 | 38,468,000 | 39,286,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,415,000 | 6,944,000 | 10,474,000 | 14,050,000 |
| Interest expense | 244,000 | 495,000 | 739,000 | 977,000 |
| Net interest income | 3,171,000 | 6,449,000 | 9,735,000 | 13,073,000 |
| Noninterest income | 629,000 | 1,300,000 | 2,046,000 | 2,751,000 |
| Noninterest expense | 2,949,000 | 5,806,000 | 8,821,000 | 11,805,000 |
| Provision for loan losses | 0 | 81,000 | 148,000 | 205,000 |
| Pretax income | 855,000 | 1,879,000 | 2,866,000 | 3,953,000 |
| Income tax | 155,000 | 367,000 | 565,000 | 801,000 |
| Net income | 700,000 | 1,512,000 | 2,301,000 | 3,152,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,314,000 | 36,828,000 | 37,285,000 | 37,807,000 |
| Total capital | 38,651,000 | 39,233,000 | 39,704,000 | 40,259,000 |
| Risk-weighted assets | 250,272,000 | 256,536,000 | 256,036,000 | 262,804,000 |