Call reports 2015
FIRST NATIONAL BANK OF CRYSTAL FALLS — 2015
What FIRST NATIONAL BANK OF CRYSTAL FALLS reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 70,722,000 | 69,519,000 | 72,649,000 | 71,257,000 |
| Total loans | 32,872,000 | 32,941,000 | 32,788,000 | 33,128,000 |
| Allowance for loan losses | 386,000 | 389,000 | 337,000 | 392,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,241,000 | 4,028,000 | 4,223,000 | 4,098,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,502,000 | 60,254,000 | 63,387,000 | 61,955,000 |
| Interest-bearing deposits | 49,979,000 | 48,850,000 | 51,415,000 | 50,165,000 |
| Noninterest-bearing deposits | 11,523,000 | 11,404,000 | 11,972,000 | 11,790,000 |
| Equity capital | 8,709,000 | 8,711,000 | 8,755,000 | 8,761,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 482,000 | 956,000 | 1,451,000 | 1,948,000 |
| Interest expense | 53,000 | 105,000 | 156,000 | 205,000 |
| Net interest income | 429,000 | 851,000 | 1,295,000 | 1,743,000 |
| Noninterest income | 61,000 | 118,000 | 179,000 | 233,000 |
| Noninterest expense | 436,000 | 909,000 | 1,366,000 | 1,797,000 |
| Provision for loan losses | 4,000 | 9,000 | 13,000 | 77,000 |
| Pretax income | 50,000 | 51,000 | 95,000 | 102,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 50,000 | 51,000 | 95,000 | 102,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,709,000 | 8,711,000 | 8,755,000 | 8,761,000 |
| Total capital | 9,094,000 | 9,100,000 | 9,092,000 | 9,153,000 |
| Risk-weighted assets | 38,216,000 | 37,459,000 | 38,448,000 | 38,409,000 |