Call reports 2004
CITIZENS NATIONAL BANK OF PARK RAPIDS, THE — 2004
What CITIZENS NATIONAL BANK OF PARK RAPIDS, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 162,204,000 | 167,522,000 | 166,619,000 | 171,334,000 |
| Total loans | 116,874,000 | 126,832,000 | 128,729,000 | 129,301,000 |
| Allowance for loan losses | 908,000 | 930,000 | 940,000 | 996,000 |
| Securities available for sale | 37,243,000 | 32,098,000 | 29,061,000 | 30,728,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,903,000 | 144,431,000 | 145,645,000 | 150,619,000 |
| Interest-bearing deposits | 124,367,000 | 129,208,000 | 130,222,000 | 135,111,000 |
| Noninterest-bearing deposits | 14,536,000 | 15,223,000 | 15,423,000 | 15,508,000 |
| Equity capital | 13,204,000 | 12,002,000 | 12,699,000 | 12,507,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,194,000 | 4,508,000 | 6,835,000 | 9,239,000 |
| Interest expense | 723,000 | 1,445,000 | 2,152,000 | 2,905,000 |
| Net interest income | 1,471,000 | 3,063,000 | 4,683,000 | 6,334,000 |
| Noninterest income | 224,000 | 475,000 | 711,000 | 990,000 |
| Noninterest expense | 985,000 | 1,968,000 | 2,969,000 | 4,304,000 |
| Provision for loan losses | 45,000 | 90,000 | 160,000 | 230,000 |
| Pretax income | 694,000 | 1,509,000 | 2,294,000 | 2,819,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 694,000 | 1,509,000 | 2,294,000 | 2,819,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,516,000 | 12,098,000 | 12,373,000 | 12,322,000 |
| Total capital | 13,424,000 | 13,028,000 | 13,313,000 | 13,318,000 |
| Risk-weighted assets | 117,018,000 | 124,348,000 | 125,017,000 | 126,503,000 |
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