Call reports 2015
CONSUMERS NATIONAL BANK — 2015
What CONSUMERS NATIONAL BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 399,770,000 | 402,162,000 | 413,228,000 | 416,279,000 |
| Total loans | 231,788,000 | 228,980,000 | 234,222,000 | 241,254,000 |
| Allowance for loan losses | 2,425,000 | 2,432,000 | 2,514,000 | 2,555,000 |
| Securities available for sale | 126,213,000 | 135,158,000 | 135,741,000 | 135,281,000 |
| Securities held to maturity | 3,690,000 | 3,655,000 | 3,565,000 | 3,529,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 330,849,000 | 333,031,000 | 340,899,000 | 342,683,000 |
| Interest-bearing deposits | 247,426,000 | 246,345,000 | 247,460,000 | 246,582,000 |
| Noninterest-bearing deposits | 83,423,000 | 86,686,000 | 93,439,000 | 96,101,000 |
| Equity capital | 39,912,000 | 39,422,000 | 40,350,000 | 40,401,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,528,000 | 7,228,000 | 10,843,000 | 14,495,000 |
| Interest expense | 232,000 | 466,000 | 693,000 | 913,000 |
| Net interest income | 3,296,000 | 6,762,000 | 10,150,000 | 13,582,000 |
| Noninterest income | 647,000 | 1,341,000 | 2,034,000 | 2,749,000 |
| Noninterest expense | 3,056,000 | 6,053,000 | 9,128,000 | 12,272,000 |
| Provision for loan losses | 90,000 | 306,000 | 398,000 | 590,000 |
| Pretax income | 793,000 | 1,783,000 | 2,731,000 | 3,542,000 |
| Income tax | 138,000 | 340,000 | 529,000 | 666,000 |
| Net income | 655,000 | 1,443,000 | 2,202,000 | 2,876,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,112,000 | 38,549,000 | 38,985,000 | 39,283,000 |
| Total capital | 40,537,000 | 40,981,000 | 41,499,000 | 41,838,000 |
| Risk-weighted assets | 266,307,000 | 267,688,000 | 273,039,000 | 282,644,000 |