Call reports 2001
FIRST NATIONAL BANK OF CRYSTAL FALLS — 2001
What FIRST NATIONAL BANK OF CRYSTAL FALLS reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 58,891,000 | 57,879,000 | 60,396,000 | 60,753,000 |
| Total loans | 44,826,000 | 45,057,000 | 45,037,000 | 45,501,000 |
| Allowance for loan losses | 469,000 | 488,000 | 488,000 | 507,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 8,391,000 | 7,703,000 | 7,699,000 | 7,192,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,144,000 | 49,218,000 | 51,710,000 | 52,477,000 |
| Interest-bearing deposits | 46,700,000 | 45,669,000 | 47,630,000 | 48,119,000 |
| Noninterest-bearing deposits | 3,444,000 | 3,549,000 | 4,080,000 | 4,358,000 |
| Equity capital | 8,161,000 | 8,154,000 | 8,178,000 | 8,048,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,165,000 | 2,303,000 | 3,457,000 | 4,546,000 |
| Interest expense | 550,000 | 1,081,000 | 1,599,000 | 2,091,000 |
| Net interest income | 615,000 | 1,222,000 | 1,858,000 | 2,455,000 |
| Noninterest income | 35,000 | 70,000 | 100,000 | 131,000 |
| Noninterest expense | 376,000 | 779,000 | 1,161,000 | 1,597,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 72,000 |
| Pretax income | 256,000 | 477,000 | 743,000 | 917,000 |
| Income tax | 80,000 | 151,000 | 237,000 | 290,000 |
| Net income | 176,000 | 326,000 | 506,000 | 627,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,161,000 | 8,154,000 | 8,178,000 | 8,048,000 |
| Total capital | 8,617,000 | 8,620,000 | 8,650,000 | 8,545,000 |
| Risk-weighted assets | 36,448,000 | 37,257,000 | 37,767,000 | 39,771,000 |