Call reports 2010
FIRST NATIONAL BANK OF CRYSTAL FALLS — 2010
What FIRST NATIONAL BANK OF CRYSTAL FALLS reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 67,518,000 | 67,596,000 | 69,041,000 | 67,222,000 |
| Total loans | 38,487,000 | 38,023,000 | 36,236,000 | 36,657,000 |
| Allowance for loan losses | 529,000 | 535,000 | 532,000 | 500,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 6,412,000 | 5,340,000 | 6,839,000 | 5,838,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,010,000 | 58,045,000 | 59,503,000 | 57,586,000 |
| Interest-bearing deposits | 53,028,000 | 52,174,000 | 53,330,000 | 51,764,000 |
| Noninterest-bearing deposits | 4,983,000 | 5,871,000 | 6,173,000 | 5,822,000 |
| Equity capital | 8,908,000 | 8,931,000 | 8,944,000 | 9,016,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 741,000 | 1,454,000 | 2,142,000 | 2,837,000 |
| Interest expense | 201,000 | 396,000 | 583,000 | 755,000 |
| Net interest income | 540,000 | 1,058,000 | 1,559,000 | 2,082,000 |
| Noninterest income | 50,000 | 90,000 | 44,000 | 95,000 |
| Noninterest expense | 513,000 | 1,042,000 | 1,484,000 | 1,986,000 |
| Provision for loan losses | 9,000 | 15,000 | 15,000 | 15,000 |
| Pretax income | 68,000 | 91,000 | 104,000 | 176,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 68,000 | 91,000 | 104,000 | 176,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,908,000 | 8,931,000 | 8,944,000 | 9,016,000 |
| Total capital | 9,366,000 | 9,378,000 | 9,375,000 | 9,460,000 |
| Risk-weighted assets | 36,619,000 | 35,618,000 | 34,420,000 | 35,455,000 |