Call reports 2014
FIRST NATIONAL BANK OF CRYSTAL FALLS — 2014
What FIRST NATIONAL BANK OF CRYSTAL FALLS reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 68,708,000 | 66,117,000 | 71,076,000 | 69,986,000 |
| Total loans | 33,882,000 | 33,026,000 | 33,347,000 | 33,533,000 |
| Allowance for loan losses | 527,000 | 451,000 | 438,000 | 442,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 5,247,000 | 3,697,000 | 3,698,000 | 3,698,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,017,000 | 56,986,000 | 61,940,000 | 60,765,000 |
| Interest-bearing deposits | 50,413,000 | 47,205,000 | 51,090,000 | 49,474,000 |
| Noninterest-bearing deposits | 8,603,000 | 9,781,000 | 10,849,000 | 11,291,000 |
| Equity capital | 9,134,000 | 8,570,000 | 8,615,000 | 8,659,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 489,000 | 954,000 | 1,496,000 | 1,986,000 |
| Interest expense | 62,000 | 120,000 | 177,000 | 232,000 |
| Net interest income | 427,000 | 834,000 | 1,319,000 | 1,754,000 |
| Noninterest income | 63,000 | 79,000 | 140,000 | 196,000 |
| Noninterest expense | 484,000 | 961,000 | 1,457,000 | 1,899,000 |
| Provision for loan losses | 4,000 | 9,000 | 13,000 | 18,000 |
| Pretax income | 2,000 | -57,000 | -11,000 | 33,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,000 | -57,000 | -11,000 | 33,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,134,000 | 8,570,000 | 8,615,000 | 8,659,000 |
| Total capital | 9,557,000 | 9,021,000 | 9,053,000 | 9,101,000 |
| Risk-weighted assets | 34,042,000 | 37,427,000 | 38,464,000 | 38,071,000 |