Call reports 2017
CONSUMERS NATIONAL BANK — 2017
What CONSUMERS NATIONAL BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 446,394,000 | 456,273,000 | 470,402,000 | 468,701,000 |
| Total loans | 273,136,000 | 274,118,000 | 289,780,000 | 294,408,000 |
| Allowance for loan losses | 3,371,000 | 3,086,000 | 3,194,000 | 3,225,000 |
| Securities available for sale | 129,222,000 | 140,435,000 | 134,729,000 | 134,100,000 |
| Securities held to maturity | 4,296,000 | 4,260,000 | 4,165,000 | 4,061,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 366,900,000 | 374,502,000 | 383,958,000 | 383,055,000 |
| Interest-bearing deposits | 263,674,000 | 272,288,000 | 273,433,000 | 274,486,000 |
| Noninterest-bearing deposits | 103,226,000 | 102,214,000 | 110,525,000 | 108,569,000 |
| Equity capital | 40,989,000 | 41,844,000 | 42,493,000 | 42,448,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 3,808,000 | 7,810,000 | 11,951,000 | 16,271,000 |
| Interest expense | 285,000 | 624,000 | 981,000 | 1,380,000 |
| Net interest income | 3,523,000 | 7,186,000 | 10,970,000 | 14,891,000 |
| Noninterest income | 746,000 | 1,508,000 | 2,334,000 | 3,167,000 |
| Noninterest expense | 3,371,000 | 6,771,000 | 10,115,000 | 13,591,000 |
| Provision for loan losses | 255,000 | 320,000 | 410,000 | 470,000 |
| Pretax income | 660,000 | 1,687,000 | 2,901,000 | 4,119,000 |
| Income tax | 72,000 | 268,000 | 527,000 | 1,035,000 |
| Net income | 588,000 | 1,419,000 | 2,374,000 | 3,084,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,962,000 | 41,419,000 | 42,023,000 | 42,371,000 |
| Total capital | 44,333,000 | 44,505,000 | 45,217,000 | 45,596,000 |
| Risk-weighted assets | 308,745,000 | 313,500,000 | 328,657,000 | 335,322,000 |