Call reports 2008
CITIZENS NATIONAL BANK OF PARK RAPIDS, THE — 2008
What CITIZENS NATIONAL BANK OF PARK RAPIDS, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 171,095,000 | 181,442,000 | 177,111,000 | 180,472,000 |
| Total loans | 139,422,000 | 147,272,000 | 150,338,000 | 150,499,000 |
| Allowance for loan losses | 1,414,000 | 1,464,000 | 1,443,000 | 1,329,000 |
| Securities available for sale | 21,827,000 | 21,498,000 | 19,572,000 | 19,050,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,638,000 | 159,268,000 | 156,207,000 | 159,716,000 |
| Interest-bearing deposits | 137,439,000 | 144,396,000 | 141,505,000 | 146,196,000 |
| Noninterest-bearing deposits | 13,199,000 | 14,872,000 | 14,702,000 | 13,520,000 |
| Equity capital | 13,931,000 | 13,170,000 | 13,584,000 | 14,490,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,911,000 | 5,756,000 | 8,643,000 | 11,582,000 |
| Interest expense | 1,362,000 | 2,563,000 | 3,683,000 | 4,746,000 |
| Net interest income | 1,549,000 | 3,193,000 | 4,960,000 | 6,836,000 |
| Noninterest income | 193,000 | 480,000 | 679,000 | 865,000 |
| Noninterest expense | 1,092,000 | 2,198,000 | 3,345,000 | 4,657,000 |
| Provision for loan losses | 105,000 | 165,000 | 255,000 | 375,000 |
| Pretax income | 545,000 | 1,315,000 | 2,044,000 | 2,674,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 545,000 | 1,315,000 | 2,044,000 | 2,674,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,834,000 | 13,535,000 | 13,665,000 | 14,294,000 |
| Total capital | 15,248,000 | 14,999,000 | 15,108,000 | 15,623,000 |
| Risk-weighted assets | 127,758,000 | 135,617,000 | 136,961,000 | 134,654,000 |
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