Call reports 2022
CONSUMERS NATIONAL BANK — 2022
What CONSUMERS NATIONAL BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 987,435,000 | 977,326,000 | 991,348,000 | 1,012,629,000 |
| Total loans | 604,028,000 | 613,012,000 | 638,041,000 | 665,077,000 |
| Allowance for loan losses | 6,997,000 | 7,160,000 | 7,546,000 | 7,675,000 |
| Securities available for sale | 288,375,000 | 296,348,000 | 278,418,000 | 287,143,000 |
| Securities held to maturity | 7,020,000 | 7,874,000 | 7,769,000 | 7,338,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 890,727,000 | 886,628,000 | 912,168,000 | 906,303,000 |
| Interest-bearing deposits | 635,105,000 | 628,897,000 | 650,788,000 | 651,506,000 |
| Noninterest-bearing deposits | 255,622,000 | 257,731,000 | 261,380,000 | 254,797,000 |
| Equity capital | 63,209,000 | 54,822,000 | 44,193,000 | 50,841,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 8,253,000 | 16,939,000 | 26,012,000 | 36,035,000 |
| Interest expense | 322,000 | 684,000 | 1,343,000 | 2,571,000 |
| Net interest income | 7,931,000 | 16,255,000 | 24,669,000 | 33,464,000 |
| Noninterest income | 1,114,000 | 2,255,000 | 3,411,000 | 4,556,000 |
| Noninterest expense | 5,765,000 | 11,603,000 | 17,582,000 | 23,813,000 |
| Provision for loan losses | 85,000 | 275,000 | 685,000 | 910,000 |
| Pretax income | 3,195,000 | 6,636,000 | 9,805,000 | 13,286,000 |
| Income tax | 547,000 | 1,135,000 | 1,667,000 | 2,266,000 |
| Net income | 2,648,000 | 5,501,000 | 8,138,000 | 11,020,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 72,135,000 | 74,105,000 | 76,229,000 | 78,596,000 |
| Total capital | 79,132,000 | 81,265,000 | 83,775,000 | 86,271,000 |
| Risk-weighted assets | 640,814,000 | 650,658,000 | 684,340,000 | 710,806,000 |