Call reports 2005
CITIZENS NATIONAL BANK OF PARK RAPIDS, THE — 2005
What CITIZENS NATIONAL BANK OF PARK RAPIDS, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 171,811,000 | 178,454,000 | 174,388,000 | 171,427,000 |
| Total loans | 135,657,000 | 141,933,000 | 142,525,000 | 141,023,000 |
| Allowance for loan losses | 1,035,000 | 1,105,000 | 1,133,000 | 1,123,000 |
| Securities available for sale | 28,149,000 | 26,586,000 | 23,606,000 | 22,041,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,739,000 | 152,354,000 | 146,510,000 | 144,918,000 |
| Interest-bearing deposits | 131,309,000 | 135,912,000 | 130,467,000 | 129,082,000 |
| Noninterest-bearing deposits | 14,430,000 | 16,442,000 | 16,043,000 | 15,836,000 |
| Equity capital | 12,809,000 | 12,874,000 | 12,867,000 | 13,228,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,397,000 | 4,960,000 | 7,647,000 | 10,232,000 |
| Interest expense | 758,000 | 1,636,000 | 2,585,000 | 3,590,000 |
| Net interest income | 1,639,000 | 3,324,000 | 5,062,000 | 6,642,000 |
| Noninterest income | 211,000 | 458,000 | 681,000 | 988,000 |
| Noninterest expense | 1,108,000 | 2,121,000 | 3,236,000 | 4,455,000 |
| Provision for loan losses | 45,000 | 125,000 | 185,000 | 230,000 |
| Pretax income | 702,000 | 1,541,000 | 2,327,000 | 2,960,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 702,000 | 1,541,000 | 2,327,000 | 2,960,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,024,000 | 12,843,000 | 12,969,000 | 13,602,000 |
| Total capital | 14,059,000 | 13,948,000 | 14,102,000 | 14,725,000 |
| Risk-weighted assets | 130,768,000 | 137,613,000 | 133,300,000 | 130,609,000 |
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