Call reports 2023
CONSUMERS NATIONAL BANK — 2023
What CONSUMERS NATIONAL BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 1,049,411,000 | 1,059,691,000 | 1,057,718,000 | 1,080,815,000 |
| Total loans | 690,301,000 | 711,136,000 | 717,936,000 | 736,240,000 |
| Allowance for loan losses | 7,823,000 | 7,724,000 | 7,782,000 | 7,987,000 |
| Securities available for sale | 287,331,000 | 279,606,000 | 261,031,000 | 276,134,000 |
| Securities held to maturity | 7,338,000 | 6,970,000 | 6,866,000 | 6,428,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 954,583,000 | 952,578,000 | 961,422,000 | 948,603,000 |
| Interest-bearing deposits | 695,487,000 | 701,628,000 | 724,809,000 | 725,876,000 |
| Noninterest-bearing deposits | 259,096,000 | 250,950,000 | 236,613,000 | 222,727,000 |
| Equity capital | 56,675,000 | 56,328,000 | 49,681,000 | 63,590,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 10,519,000 | 21,836,000 | 33,571,000 | 45,760,000 |
| Interest expense | 2,274,000 | 5,260,000 | 8,826,000 | 13,041,000 |
| Net interest income | 8,245,000 | 16,576,000 | 24,745,000 | 32,719,000 |
| Noninterest income | 1,154,000 | 2,407,000 | 3,635,000 | 4,870,000 |
| Noninterest expense | 5,994,000 | 12,181,000 | 18,360,000 | 24,685,000 |
| Provision for loan losses | 160,000 | 220,000 | 260,000 | 585,000 |
| Pretax income | 3,242,000 | 6,610,000 | 9,630,000 | 12,189,000 |
| Income tax | 575,000 | 1,193,000 | 1,730,000 | 2,189,000 |
| Net income | 2,667,000 | 5,417,000 | 7,900,000 | 10,000,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 80,750,000 | 83,510,000 | 84,808,000 | 86,365,000 |
| Total capital | 88,573,000 | 91,234,000 | 92,763,000 | 94,525,000 |
| Risk-weighted assets | 730,848,000 | 755,993,000 | 771,763,000 | 782,475,000 |
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