Call reports 2016
CONSUMERS NATIONAL BANK — 2016
What CONSUMERS NATIONAL BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 423,937,000 | 428,548,000 | 431,695,000 | 439,754,000 |
| Total loans | 246,940,000 | 257,325,000 | 262,297,000 | 266,578,000 |
| Allowance for loan losses | 2,663,000 | 3,566,000 | 3,684,000 | 3,123,000 |
| Securities available for sale | 133,097,000 | 131,318,000 | 126,629,000 | 129,634,000 |
| Securities held to maturity | 3,530,000 | 3,494,000 | 4,399,000 | 4,296,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 346,318,000 | 346,703,000 | 353,014,000 | 355,462,000 |
| Interest-bearing deposits | 251,270,000 | 248,425,000 | 248,942,000 | 255,284,000 |
| Noninterest-bearing deposits | 95,048,000 | 98,278,000 | 104,072,000 | 100,178,000 |
| Equity capital | 41,545,000 | 41,708,000 | 42,309,000 | 40,523,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,666,000 | 7,338,000 | 11,283,000 | 15,068,000 |
| Interest expense | 224,000 | 454,000 | 695,000 | 944,000 |
| Net interest income | 3,442,000 | 6,884,000 | 10,588,000 | 14,124,000 |
| Noninterest income | 644,000 | 1,323,000 | 2,081,000 | 2,850,000 |
| Noninterest expense | 3,152,000 | 6,335,000 | 9,555,000 | 12,829,000 |
| Provision for loan losses | 130,000 | 1,214,000 | 1,350,000 | 1,490,000 |
| Pretax income | 892,000 | 826,000 | 2,024,000 | 2,937,000 |
| Income tax | 165,000 | 4,000 | 270,000 | 430,000 |
| Net income | 727,000 | 822,000 | 1,754,000 | 2,507,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,660,000 | 39,380,000 | 40,312,000 | 40,710,000 |
| Total capital | 42,323,000 | 42,946,000 | 43,996,000 | 43,833,000 |
| Risk-weighted assets | 283,445,000 | 294,467,000 | 299,455,000 | 305,364,000 |