Call reports 2007
CITIZENS NATIONAL BANK OF PARK RAPIDS, THE — 2007
What CITIZENS NATIONAL BANK OF PARK RAPIDS, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 172,423,000 | 171,593,000 | 172,837,000 | 175,358,000 |
| Total loans | 137,812,000 | 139,945,000 | 138,454,000 | 139,511,000 |
| Allowance for loan losses | 1,170,000 | 1,187,000 | 1,287,000 | 1,316,000 |
| Securities available for sale | 21,575,000 | 22,511,000 | 21,686,000 | 21,936,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,311,000 | 144,987,000 | 145,849,000 | 147,782,000 |
| Interest-bearing deposits | 132,345,000 | 131,380,000 | 130,776,000 | 134,259,000 |
| Noninterest-bearing deposits | 12,966,000 | 13,607,000 | 15,073,000 | 13,523,000 |
| Equity capital | 13,439,000 | 12,980,000 | 13,290,000 | 14,020,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,837,000 | 5,740,000 | 8,728,000 | 11,695,000 |
| Interest expense | 1,343,000 | 2,714,000 | 4,114,000 | 5,523,000 |
| Net interest income | 1,494,000 | 3,026,000 | 4,614,000 | 6,172,000 |
| Noninterest income | 230,000 | 512,000 | 794,000 | 1,093,000 |
| Noninterest expense | 1,140,000 | 2,163,000 | 3,297,000 | 4,419,000 |
| Provision for loan losses | 60,000 | 135,000 | 240,000 | 345,000 |
| Pretax income | 524,000 | 1,240,000 | 1,871,000 | 2,501,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 524,000 | 1,240,000 | 1,871,000 | 2,501,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,645,000 | 13,300,000 | 13,450,000 | 14,081,000 |
| Total capital | 14,815,000 | 14,487,000 | 14,737,000 | 15,397,000 |
| Risk-weighted assets | 124,849,000 | 128,620,000 | 128,084,000 | 129,862,000 |
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