Call reports 2003

FIRST NATIONAL BANK OF CRYSTAL FALLS — 2003

Name: FIRST NATIONAL BANK OF CRYSTAL FALLS — FFIEC call report 2003
Creator: FIRST NATIONAL BANK OF CRYSTAL FALLS

What FIRST NATIONAL BANK OF CRYSTAL FALLS reported to the FFIEC in 2003, quarter by quarter.

PERIOD: 2003SOURCE: FFIEC Call ReportEvery measure source-linked

Cite: FACTANKER, https://factanker.com/entity/c55b8616-fa04-462c-95cc-098f14129c0c/2003

Balance sheet

What the bank holds and owes at quarter end

Measure	2003Q1	2003Q2	2003Q3	2003Q4
Total assets	63,825,000	62,979,000	64,066,000	64,140,000
Total loans	45,259,000	45,460,000	43,073,000	44,197,000
Allowance for loan losses	502,000	512,000	497,000	505,000
Securities available for sale	0	0	0	0
Securities held to maturity	7,982,000	7,427,000	6,650,000	7,669,000
Trading assets	0	0	0	0
Total deposits	55,541,000	54,714,000	55,866,000	55,934,000
Interest-bearing deposits	51,065,000	50,921,000	51,272,000	51,702,000
Noninterest-bearing deposits	4,476,000	3,793,000	4,594,000	4,232,000
Equity capital	8,072,000	8,092,000	8,069,000	8,049,000

Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year

Measure	2003Q1	2003Q2	2003Q3	2003Q4
Interest income	979,000	1,953,000	2,880,000	3,770,000
Interest expense	318,000	619,000	902,000	1,176,000
Net interest income	661,000	1,334,000	1,978,000	2,594,000
Noninterest income	39,000	82,000	129,000	166,000
Noninterest expense	410,000	855,000	1,336,000	1,805,000
Provision for loan losses	10,000	21,000	32,000	42,000
Pretax income	280,000	540,000	739,000	913,000
Income tax	91,000	175,000	240,000	294,000
Net income	189,000	365,000	499,000	619,000

Basel measures — not reported for every quarter

Measure	2003Q1	2003Q2	2003Q3	2003Q4
Tier 1 capital	8,072,000	8,092,000	8,069,000	8,049,000
Total capital	8,574,000	8,604,000	8,566,000	8,554,000
Risk-weighted assets	42,301,000	42,560,000	41,607,000	42,490,000