Call reports 2007
FIRST NATIONAL BANK OF CRYSTAL FALLS — 2007
What FIRST NATIONAL BANK OF CRYSTAL FALLS reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 61,128,000 | 61,515,000 | 64,021,000 | 61,644,000 |
| Total loans | 44,525,000 | 45,325,000 | 45,303,000 | 43,735,000 |
| Allowance for loan losses | 321,000 | 364,000 | 404,000 | 418,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,830,000 | 4,255,000 | 3,655,000 | 3,520,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,442,000 | 51,619,000 | 53,950,000 | 51,797,000 |
| Interest-bearing deposits | 46,117,000 | 45,967,000 | 47,175,000 | 45,535,000 |
| Noninterest-bearing deposits | 5,325,000 | 5,652,000 | 6,775,000 | 6,262,000 |
| Equity capital | 8,990,000 | 9,167,000 | 9,366,000 | 9,122,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 954,000 | 1,951,000 | 3,046,000 | 4,067,000 |
| Interest expense | 307,000 | 625,000 | 957,000 | 1,287,000 |
| Net interest income | 647,000 | 1,326,000 | 2,089,000 | 2,780,000 |
| Noninterest income | 54,000 | 105,000 | 163,000 | 194,000 |
| Noninterest expense | 467,000 | 920,000 | 1,443,000 | 1,928,000 |
| Provision for loan losses | 30,000 | 75,000 | 120,000 | 165,000 |
| Pretax income | 204,000 | 436,000 | 689,000 | 881,000 |
| Income tax | 294,000 | 294,000 | 293,000 | 293,000 |
| Net income | -90,000 | 142,000 | 396,000 | 588,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,990,000 | 9,167,000 | 9,366,000 | 9,122,000 |
| Total capital | 9,311,000 | 9,531,000 | 9,770,000 | 9,540,000 |
| Risk-weighted assets | 41,335,000 | 42,305,000 | 42,702,000 | 41,614,000 |