Call reports 2025
CONSUMERS NATIONAL BANK — 2025
What CONSUMERS NATIONAL BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,133,281,000 | 1,164,587,000 | 1,187,278,000 | 1,211,874,000 |
| Total loans | 768,071,000 | 814,273,000 | 835,369,000 | 872,685,000 |
| Allowance for loan losses | 8,047,000 | 8,470,000 | 8,709,000 | 8,777,000 |
| Securities available for sale | 274,257,000 | 273,875,000 | 268,900,000 | 262,347,000 |
| Securities held to maturity | 5,504,000 | 5,167,000 | 5,058,000 | 4,651,000 |
| Trading assets | 0 | 0 | 0 | 98,000 |
| Total deposits | 1,025,828,000 | 1,037,105,000 | 1,069,720,000 | 1,089,119,000 |
| Interest-bearing deposits | 787,952,000 | 797,126,000 | 822,580,000 | 847,211,000 |
| Noninterest-bearing deposits | 237,876,000 | 239,979,000 | 247,140,000 | 241,908,000 |
| Equity capital | 72,770,000 | 75,644,000 | 81,652,000 | 86,310,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 12,902,000 | 26,668,000 | 41,048,000 | 55,853,000 |
| Interest expense | 4,389,000 | 8,937,000 | 13,780,000 | 18,680,000 |
| Net interest income | 8,513,000 | 17,731,000 | 27,268,000 | 37,173,000 |
| Noninterest income | 1,277,000 | 2,682,000 | 4,155,000 | 5,736,000 |
| Noninterest expense | 7,085,000 | 14,442,000 | 21,963,000 | 29,799,000 |
| Provision for loan losses | 495,000 | 975,000 | 1,295,000 | 1,470,000 |
| Pretax income | 2,195,000 | 4,981,000 | 8,188,000 | 11,508,000 |
| Income tax | 289,000 | 721,000 | 1,219,000 | 1,730,000 |
| Net income | 1,906,000 | 4,260,000 | 6,969,000 | 9,778,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 93,886,000 | 95,651,000 | 98,299,000 | 100,718,000 |
| Total capital | 102,172,000 | 104,360,000 | 107,282,000 | 109,915,000 |
| Risk-weighted assets | 825,033,000 | 870,001,000 | 891,688,000 | 920,675,000 |