Call reports 2021
CONSUMERS NATIONAL BANK — 2021
What CONSUMERS NATIONAL BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 805,359,000 | 833,348,000 | 953,655,000 | 954,817,000 |
| Total loans | 553,698,000 | 567,884,000 | 578,964,000 | 623,857,000 |
| Allowance for loan losses | 6,076,000 | 6,471,000 | 6,677,000 | 6,932,000 |
| Securities available for sale | 169,060,000 | 207,761,000 | 245,415,000 | 269,836,000 |
| Securities held to maturity | 8,035,000 | 7,995,000 | 7,895,000 | 7,020,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 704,276,000 | 727,076,000 | 849,224,000 | 848,462,000 |
| Interest-bearing deposits | 488,161,000 | 497,747,000 | 605,768,000 | 608,808,000 |
| Noninterest-bearing deposits | 216,115,000 | 229,329,000 | 243,456,000 | 239,654,000 |
| Equity capital | 66,905,000 | 69,267,000 | 70,742,000 | 74,954,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 6,702,000 | 13,715,000 | 22,051,000 | 30,934,000 |
| Interest expense | 368,000 | 689,000 | 1,050,000 | 1,388,000 |
| Net interest income | 6,334,000 | 13,026,000 | 21,001,000 | 29,546,000 |
| Noninterest income | 1,041,000 | 2,101,000 | 3,363,000 | 4,564,000 |
| Noninterest expense | 4,620,000 | 9,587,000 | 15,348,000 | 20,940,000 |
| Provision for loan losses | 185,000 | 590,000 | 780,000 | 1,050,000 |
| Pretax income | 2,576,000 | 4,956,000 | 8,242,000 | 12,128,000 |
| Income tax | 432,000 | 817,000 | 1,391,000 | 2,084,000 |
| Net income | 2,144,000 | 4,139,000 | 6,851,000 | 10,044,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,151,000 | 64,700,000 | 65,572,000 | 70,526,000 |
| Total capital | 69,227,000 | 71,171,000 | 72,249,000 | 77,458,000 |
| Risk-weighted assets | 510,805,000 | 545,115,000 | 600,985,000 | 646,099,000 |