Call reports 2024
CONSUMERS NATIONAL BANK — 2024
What CONSUMERS NATIONAL BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 1,090,120,000 | 1,096,220,000 | 1,122,774,000 | 1,109,896,000 |
| Total loans | 742,636,000 | 760,034,000 | 768,728,000 | 763,513,000 |
| Allowance for loan losses | 7,911,000 | 7,930,000 | 7,948,000 | 7,844,000 |
| Securities available for sale | 265,646,000 | 264,802,000 | 272,757,000 | 269,906,000 |
| Securities held to maturity | 6,428,000 | 6,054,000 | 5,948,000 | 5,504,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 975,292,000 | 973,029,000 | 999,026,000 | 997,934,000 |
| Interest-bearing deposits | 747,073,000 | 747,893,000 | 760,349,000 | 766,313,000 |
| Noninterest-bearing deposits | 228,219,000 | 225,136,000 | 238,677,000 | 231,621,000 |
| Equity capital | 62,167,000 | 63,349,000 | 72,805,000 | 68,872,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 12,397,000 | 25,280,000 | 38,426,000 | 51,633,000 |
| Interest expense | 4,567,000 | 9,404,000 | 14,515,000 | 19,410,000 |
| Net interest income | 7,830,000 | 15,876,000 | 23,911,000 | 32,223,000 |
| Noninterest income | 1,217,000 | 2,499,000 | 3,892,000 | 5,252,000 |
| Noninterest expense | 6,439,000 | 12,969,000 | 19,559,000 | 26,248,000 |
| Provision for loan losses | 15,000 | 192,000 | 269,000 | 354,000 |
| Pretax income | 2,570,000 | 5,231,000 | 8,037,000 | 10,895,000 |
| Income tax | 454,000 | 933,000 | 1,433,000 | 1,940,000 |
| Net income | 2,116,000 | 4,298,000 | 6,604,000 | 8,955,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 87,927,000 | 89,161,000 | 90,806,000 | 92,568,000 |
| Total capital | 96,034,000 | 97,249,000 | 98,939,000 | 100,636,000 |
| Risk-weighted assets | 790,100,000 | 805,500,000 | 815,556,000 | 816,119,000 |