Call reports 2011
FIRST NATIONAL BANK OF CRYSTAL FALLS — 2011
What FIRST NATIONAL BANK OF CRYSTAL FALLS reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 67,814,000 | 69,160,000 | 73,895,000 | 71,400,000 |
| Total loans | 36,548,000 | 36,032,000 | 37,269,000 | 37,289,000 |
| Allowance for loan losses | 507,000 | 473,000 | 485,000 | 493,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 5,336,000 | 5,615,000 | 4,214,000 | 4,213,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,171,000 | 59,482,000 | 64,169,000 | 61,575,000 |
| Interest-bearing deposits | 52,038,000 | 52,077,000 | 55,453,000 | 54,816,000 |
| Noninterest-bearing deposits | 6,133,000 | 7,406,000 | 8,716,000 | 6,759,000 |
| Equity capital | 9,065,000 | 9,093,000 | 9,146,000 | 9,076,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 652,000 | 1,282,000 | 1,918,000 | 2,516,000 |
| Interest expense | 149,000 | 269,000 | 386,000 | 493,000 |
| Net interest income | 503,000 | 1,013,000 | 1,532,000 | 2,023,000 |
| Noninterest income | 58,000 | 95,000 | 112,000 | 175,000 |
| Noninterest expense | 481,000 | 979,000 | 1,449,000 | 1,878,000 |
| Provision for loan losses | 7,000 | 15,000 | 22,000 | 30,000 |
| Pretax income | 73,000 | 114,000 | 173,000 | 290,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 73,000 | 114,000 | 173,000 | 290,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,065,000 | 9,093,000 | 9,146,000 | 9,076,000 |
| Total capital | 9,502,000 | 9,546,000 | 9,607,000 | 9,534,000 |
| Risk-weighted assets | 34,913,000 | 36,255,000 | 36,863,000 | 36,612,000 |