Call reports 2019
CONSUMERS NATIONAL BANK — 2019
What CONSUMERS NATIONAL BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 526,912,000 | 552,400,000 | 563,543,000 | 574,601,000 |
| Total loans | 348,306,000 | 370,834,000 | 386,256,000 | 399,612,000 |
| Allowance for loan losses | 3,656,000 | 3,788,000 | 3,909,000 | 4,095,000 |
| Securities available for sale | 140,014,000 | 142,364,000 | 135,955,000 | 133,081,000 |
| Securities held to maturity | 3,824,000 | 3,786,000 | 3,686,000 | 3,581,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 459,357,000 | 472,210,000 | 487,678,000 | 489,458,000 |
| Interest-bearing deposits | 342,616,000 | 355,935,000 | 365,238,000 | 366,585,000 |
| Noninterest-bearing deposits | 116,741,000 | 116,275,000 | 122,440,000 | 122,873,000 |
| Equity capital | 47,389,000 | 49,545,000 | 51,123,000 | 52,218,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 5,114,000 | 10,581,000 | 16,299,000 | 22,077,000 |
| Interest expense | 876,000 | 1,871,000 | 2,907,000 | 3,887,000 |
| Net interest income | 4,238,000 | 8,710,000 | 13,392,000 | 18,190,000 |
| Noninterest income | 853,000 | 1,826,000 | 3,181,000 | 4,190,000 |
| Noninterest expense | 3,766,000 | 7,691,000 | 11,614,000 | 15,474,000 |
| Provision for loan losses | 105,000 | 220,000 | 350,000 | 535,000 |
| Pretax income | 1,221,000 | 2,626,000 | 4,716,000 | 6,478,000 |
| Income tax | 157,000 | 353,000 | 627,000 | 901,000 |
| Net income | 1,064,000 | 2,273,000 | 4,089,000 | 5,577,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,223,000 | 47,983,000 | 48,998,000 | 50,116,000 |
| Total capital | 50,879,000 | 51,771,000 | 52,907,000 | 54,211,000 |
| Risk-weighted assets | 388,846,000 | 410,782,000 | 424,330,000 | 435,347,000 |