Call reports 2002
FIRST NATIONAL BANK OF CRYSTAL FALLS — 2002
What FIRST NATIONAL BANK OF CRYSTAL FALLS reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 64,461,000 | 64,218,000 | 64,536,000 | 65,618,000 |
| Total loans | 43,992,000 | 44,936,000 | 44,584,000 | 44,527,000 |
| Allowance for loan losses | 513,000 | 506,000 | 488,000 | 491,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 8,230,000 | 9,705,000 | 8,447,000 | 8,440,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,209,000 | 56,013,000 | 56,346,000 | 57,420,000 |
| Interest-bearing deposits | 52,678,000 | 52,519,000 | 52,553,000 | 52,365,000 |
| Noninterest-bearing deposits | 3,531,000 | 3,494,000 | 3,793,000 | 5,055,000 |
| Equity capital | 8,029,000 | 8,029,000 | 8,038,000 | 8,039,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,019,000 | 2,053,000 | 3,090,000 | 4,097,000 |
| Interest expense | 452,000 | 864,000 | 1,258,000 | 1,619,000 |
| Net interest income | 567,000 | 1,189,000 | 1,832,000 | 2,478,000 |
| Noninterest income | 38,000 | 70,000 | 105,000 | 135,000 |
| Noninterest expense | 395,000 | 808,000 | 1,231,000 | 1,684,000 |
| Provision for loan losses | 11,000 | 21,000 | 32,000 | 42,000 |
| Pretax income | 199,000 | 430,000 | 674,000 | 887,000 |
| Income tax | 62,000 | 136,000 | 215,000 | 283,000 |
| Net income | 137,000 | 294,000 | 459,000 | 604,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,029,000 | 8,029,000 | 8,038,000 | 8,039,000 |
| Total capital | 8,542,000 | 8,535,000 | 8,526,000 | 8,530,000 |
| Risk-weighted assets | 42,147,000 | 42,251,000 | 42,001,000 | 41,981,000 |