Call reports 2012
FIRST NATIONAL BANK OF CRYSTAL FALLS — 2012
What FIRST NATIONAL BANK OF CRYSTAL FALLS reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 71,549,000 | 71,015,000 | 73,770,000 | 71,257,000 |
| Total loans | 34,877,000 | 36,532,000 | 36,760,000 | 36,078,000 |
| Allowance for loan losses | 499,000 | 507,000 | 514,000 | 560,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 5,020,000 | 4,867,000 | 4,269,000 | 6,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,836,000 | 61,203,000 | 63,930,000 | 61,416,000 |
| Interest-bearing deposits | 55,170,000 | 53,198,000 | 55,734,000 | 54,375,000 |
| Noninterest-bearing deposits | 6,666,000 | 8,005,000 | 8,196,000 | 7,041,000 |
| Equity capital | 9,157,000 | 9,239,000 | 9,275,000 | 9,267,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 597,000 | 1,204,000 | 1,797,000 | 2,378,000 |
| Interest expense | 100,000 | 191,000 | 283,000 | 369,000 |
| Net interest income | 497,000 | 1,013,000 | 1,514,000 | 2,009,000 |
| Noninterest income | 56,000 | 106,000 | 142,000 | 194,000 |
| Noninterest expense | 459,000 | 929,000 | 1,418,000 | 1,876,000 |
| Provision for loan losses | 7,000 | 15,000 | 22,000 | 30,000 |
| Pretax income | 87,000 | 175,000 | 216,000 | 297,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 87,000 | 175,000 | 216,000 | 297,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,157,000 | 9,239,000 | 9,275,000 | 9,267,000 |
| Total capital | 9,603,000 | 9,693,000 | 9,778,000 | 9,766,000 |
| Risk-weighted assets | 35,628,000 | 36,254,000 | 40,247,000 | 39,827,000 |