Call reports 2015
CITIZENS NATIONAL BANK OF PARK RAPIDS, THE — 2015
What CITIZENS NATIONAL BANK OF PARK RAPIDS, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 237,814,000 | 251,932,000 | 244,255,000 | 243,205,000 |
| Total loans | 177,296,000 | 184,794,000 | 183,963,000 | 186,438,000 |
| Allowance for loan losses | 2,309,000 | 2,273,000 | 2,320,000 | 2,358,000 |
| Securities available for sale | 35,515,000 | 34,676,000 | 33,194,000 | 34,067,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 211,092,000 | 225,537,000 | 217,207,000 | 215,733,000 |
| Interest-bearing deposits | 188,643,000 | 199,583,000 | 192,173,000 | 190,927,000 |
| Noninterest-bearing deposits | 22,449,000 | 25,954,000 | 25,034,000 | 24,806,000 |
| Equity capital | 24,326,000 | 23,908,000 | 24,391,000 | 25,197,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,507,000 | 5,140,000 | 7,863,000 | 10,563,000 |
| Interest expense | 235,000 | 481,000 | 738,000 | 1,003,000 |
| Net interest income | 2,272,000 | 4,659,000 | 7,125,000 | 9,560,000 |
| Noninterest income | 248,000 | 487,000 | 652,000 | 922,000 |
| Noninterest expense | 1,376,000 | 2,963,000 | 4,496,000 | 6,081,000 |
| Provision for loan losses | 90,000 | 180,000 | 384,000 | 534,000 |
| Pretax income | 1,054,000 | 2,003,000 | 2,897,000 | 3,867,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,054,000 | 2,003,000 | 2,897,000 | 3,867,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,803,000 | 23,600,000 | 23,978,000 | 24,948,000 |
| Total capital | 25,941,000 | 25,781,000 | 26,135,000 | 27,122,000 |
| Risk-weighted assets | 170,872,000 | 174,398,000 | 172,400,000 | 173,813,000 |