Call reports 2018
CONSUMERS NATIONAL BANK — 2018
What CONSUMERS NATIONAL BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 487,007,000 | 501,076,000 | 509,568,000 | 516,536,000 |
| Total loans | 304,000,000 | 319,957,000 | 331,345,000 | 334,631,000 |
| Allowance for loan losses | 3,323,000 | 3,422,000 | 3,538,000 | 3,569,000 |
| Securities available for sale | 134,509,000 | 142,406,000 | 136,047,000 | 142,202,000 |
| Securities held to maturity | 4,061,000 | 4,024,000 | 3,929,000 | 3,824,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 404,112,000 | 430,005,000 | 440,631,000 | 442,569,000 |
| Interest-bearing deposits | 296,521,000 | 322,044,000 | 327,416,000 | 330,642,000 |
| Noninterest-bearing deposits | 107,591,000 | 107,961,000 | 113,215,000 | 111,927,000 |
| Equity capital | 41,614,000 | 42,090,000 | 42,276,000 | 45,243,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 4,390,000 | 9,116,000 | 14,006,000 | 19,065,000 |
| Interest expense | 427,000 | 950,000 | 1,545,000 | 2,235,000 |
| Net interest income | 3,963,000 | 8,166,000 | 12,461,000 | 16,830,000 |
| Noninterest income | 807,000 | 1,679,000 | 2,579,000 | 3,545,000 |
| Noninterest expense | 3,543,000 | 7,199,000 | 10,823,000 | 14,627,000 |
| Provision for loan losses | 100,000 | 160,000 | 275,000 | -500,000 |
| Pretax income | 1,122,000 | 2,481,000 | 4,524,000 | 6,803,000 |
| Income tax | 184,000 | 434,000 | 766,000 | 1,144,000 |
| Net income | 938,000 | 2,047,000 | 3,758,000 | 5,659,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,958,000 | 43,718,000 | 45,069,000 | 46,609,000 |
| Total capital | 46,281,000 | 47,140,000 | 48,607,000 | 50,178,000 |
| Risk-weighted assets | 340,812,000 | 358,361,000 | 363,051,000 | 367,170,000 |
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