Call reports 2006
FIRST NATIONAL BANK OF CRYSTAL FALLS — 2006
What FIRST NATIONAL BANK OF CRYSTAL FALLS reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 62,032,000 | 60,877,000 | 63,467,000 | 60,735,000 |
| Total loans | 44,258,000 | 44,326,000 | 43,295,000 | 43,114,000 |
| Allowance for loan losses | 491,000 | 506,000 | 517,000 | 538,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 6,535,000 | 6,830,000 | 5,829,000 | 5,329,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,476,000 | 50,693,000 | 53,179,000 | 50,884,000 |
| Interest-bearing deposits | 46,104,000 | 44,301,000 | 47,310,000 | 45,180,000 |
| Noninterest-bearing deposits | 6,372,000 | 6,392,000 | 5,869,000 | 5,705,000 |
| Equity capital | 8,844,000 | 8,980,000 | 9,107,000 | 9,135,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 960,000 | 1,921,000 | 2,933,000 | 3,920,000 |
| Interest expense | 244,000 | 506,000 | 807,000 | 1,108,000 |
| Net interest income | 716,000 | 1,415,000 | 2,126,000 | 2,812,000 |
| Noninterest income | 21,000 | 74,000 | 135,000 | 185,000 |
| Noninterest expense | 496,000 | 956,000 | 1,451,000 | 1,939,000 |
| Provision for loan losses | 10,000 | 21,000 | 31,000 | 42,000 |
| Pretax income | 231,000 | 512,000 | 779,000 | 1,016,000 |
| Income tax | 75,000 | 165,000 | 250,000 | 324,000 |
| Net income | 156,000 | 347,000 | 529,000 | 692,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,844,000 | 8,980,000 | 9,107,000 | 9,135,000 |
| Total capital | 9,335,000 | 9,488,000 | 9,624,000 | 9,654,000 |
| Risk-weighted assets | 41,436,000 | 41,744,000 | 41,239,000 | 40,779,000 |