Call reports 2013
FIRST NATIONAL BANK OF CRYSTAL FALLS — 2013
What FIRST NATIONAL BANK OF CRYSTAL FALLS reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 73,085,000 | 68,646,000 | 70,705,000 | 68,703,000 |
| Total loans | 34,749,000 | 34,078,000 | 34,329,000 | 34,348,000 |
| Allowance for loan losses | 564,000 | 539,000 | 544,000 | 523,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 6,002,000 | 5,248,000 | 5,248,000 | 5,247,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,207,000 | 58,764,000 | 60,851,000 | 58,478,000 |
| Interest-bearing deposits | 56,334,000 | 50,834,000 | 53,220,000 | 50,892,000 |
| Noninterest-bearing deposits | 6,873,000 | 7,930,000 | 7,631,000 | 7,586,000 |
| Equity capital | 9,307,000 | 9,309,000 | 9,307,000 | 9,138,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 534,000 | 1,063,000 | 1,596,000 | 2,102,000 |
| Interest expense | 79,000 | 154,000 | 225,000 | 295,000 |
| Net interest income | 455,000 | 909,000 | 1,371,000 | 1,807,000 |
| Noninterest income | 70,000 | 112,000 | 185,000 | 245,000 |
| Noninterest expense | 469,000 | 947,000 | 1,467,000 | 2,128,000 |
| Provision for loan losses | 4,000 | 9,000 | 14,000 | 18,000 |
| Pretax income | 52,000 | 65,000 | 75,000 | -94,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 52,000 | 65,000 | 75,000 | -94,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,307,000 | 9,309,000 | 9,307,000 | 9,138,000 |
| Total capital | 9,806,000 | 9,787,000 | 9,745,000 | 9,566,000 |
| Risk-weighted assets | 39,830,000 | 38,159,000 | 34,972,000 | 34,153,000 |