Call reports 2020
CONSUMERS NATIONAL BANK — 2020
What CONSUMERS NATIONAL BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 663,244,000 | 740,796,000 | 751,254,000 | 753,631,000 |
| Total loans | 469,634,000 | 546,368,000 | 567,867,000 | 562,027,000 |
| Allowance for loan losses | 4,468,000 | 5,678,000 | 5,767,000 | 5,912,000 |
| Securities available for sale | 139,382,000 | 143,917,000 | 136,902,000 | 145,666,000 |
| Securities held to maturity | 3,581,000 | 3,542,000 | 3,442,000 | 3,335,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 563,254,000 | 633,627,000 | 640,724,000 | 648,460,000 |
| Interest-bearing deposits | 425,468,000 | 443,121,000 | 451,967,000 | 454,183,000 |
| Noninterest-bearing deposits | 137,786,000 | 190,506,000 | 188,757,000 | 194,277,000 |
| Equity capital | 60,989,000 | 62,853,000 | 64,929,000 | 67,257,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 6,617,000 | 13,826,000 | 21,178,000 | 28,603,000 |
| Interest expense | 1,013,000 | 1,805,000 | 2,456,000 | 3,016,000 |
| Net interest income | 5,604,000 | 12,021,000 | 18,722,000 | 25,587,000 |
| Noninterest income | 975,000 | 1,946,000 | 3,078,000 | 4,215,000 |
| Noninterest expense | 4,604,000 | 8,935,000 | 13,644,000 | 18,400,000 |
| Provision for loan losses | 445,000 | 1,665,000 | 1,795,000 | 1,925,000 |
| Pretax income | 1,651,000 | 3,613,000 | 6,607,000 | 9,730,000 |
| Income tax | 253,000 | 553,000 | 1,077,000 | 1,635,000 |
| Net income | 1,398,000 | 3,060,000 | 5,530,000 | 8,095,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,437,000 | 57,554,000 | 59,580,000 | 61,700,000 |
| Total capital | 60,905,000 | 63,232,000 | 65,347,000 | 67,612,000 |
| Risk-weighted assets | 487,420,000 | 498,304,000 | 518,553,000 | 529,399,000 |