Call reports 2016
FIRST NATIONAL BANK OF CRYSTAL FALLS — 2016
What FIRST NATIONAL BANK OF CRYSTAL FALLS reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 71,181,000 | 70,141,000 | 72,186,000 | 71,423,000 |
| Total loans | 32,509,000 | 31,853,000 | 31,714,000 | 32,402,000 |
| Allowance for loan losses | 346,000 | 388,000 | 400,000 | 408,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 3,598,000 | 3,363,000 | 3,362,000 | 3,361,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,965,000 | 60,858,000 | 62,962,000 | 62,161,000 |
| Interest-bearing deposits | 51,755,000 | 49,474,000 | 50,825,000 | 49,621,000 |
| Noninterest-bearing deposits | 10,210,000 | 11,384,000 | 12,137,000 | 12,539,000 |
| Equity capital | 8,723,000 | 8,750,000 | 8,755,000 | 8,744,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 485,000 | 966,000 | 1,452,000 | 1,939,000 |
| Interest expense | 45,000 | 89,000 | 133,000 | 176,000 |
| Net interest income | 440,000 | 877,000 | 1,319,000 | 1,763,000 |
| Noninterest income | 88,000 | 151,000 | 206,000 | 241,000 |
| Noninterest expense | 433,000 | 894,000 | 1,374,000 | 1,856,000 |
| Provision for loan losses | 133,000 | 145,000 | 157,000 | 165,000 |
| Pretax income | -38,000 | -11,000 | -6,000 | -17,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -38,000 | -11,000 | -6,000 | -17,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,723,000 | 8,750,000 | 8,755,000 | 8,744,000 |
| Total capital | 9,069,000 | 9,138,000 | 9,155,000 | 9,152,000 |
| Risk-weighted assets | 38,121,000 | 37,109,000 | 37,168,000 | 38,090,000 |