Call reports 2004
FIRST NATIONAL BANK OF CRYSTAL FALLS — 2004
What FIRST NATIONAL BANK OF CRYSTAL FALLS reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 64,315,000 | 65,011,000 | 69,970,000 | 67,078,000 |
| Total loans | 43,659,000 | 44,286,000 | 44,552,000 | 45,403,000 |
| Allowance for loan losses | 480,000 | 491,000 | 496,000 | 495,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 7,663,000 | 8,149,000 | 9,214,000 | 8,211,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,054,000 | 56,663,000 | 60,968,000 | 58,018,000 |
| Interest-bearing deposits | 52,496,000 | 52,431,000 | 56,097,000 | 52,975,000 |
| Noninterest-bearing deposits | 3,558,000 | 4,232,000 | 4,871,000 | 5,043,000 |
| Equity capital | 8,110,000 | 8,198,000 | 8,308,000 | 8,338,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 848,000 | 1,701,000 | 2,620,000 | 3,541,000 |
| Interest expense | 258,000 | 503,000 | 752,000 | 1,009,000 |
| Net interest income | 590,000 | 1,198,000 | 1,868,000 | 2,532,000 |
| Noninterest income | 53,000 | 98,000 | 158,000 | 213,000 |
| Noninterest expense | 464,000 | 902,000 | 1,383,000 | 1,847,000 |
| Provision for loan losses | 11,000 | 21,000 | 32,000 | 42,000 |
| Pretax income | 168,000 | 373,000 | 611,000 | 856,000 |
| Income tax | 52,000 | 115,000 | 188,000 | 261,000 |
| Net income | 116,000 | 258,000 | 423,000 | 595,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,110,000 | 8,198,000 | 8,308,000 | 8,338,000 |
| Total capital | 8,590,000 | 8,689,000 | 8,804,000 | 8,833,000 |
| Risk-weighted assets | 42,195,000 | 42,669,000 | 43,817,000 | 43,854,000 |