Call reports 2025
CITIZENS NATIONAL BANK OF PARK RAPIDS, THE — 2025
What CITIZENS NATIONAL BANK OF PARK RAPIDS, THE reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 350,357,000 | 385,198,000 | 374,481,000 | 374,887,000 |
| Total loans | 279,815,000 | 285,752,000 | 295,690,000 | 302,305,000 |
| Allowance for loan losses | 4,844,000 | 4,756,000 | 4,851,000 | 4,892,000 |
| Securities available for sale | 25,823,000 | 63,369,000 | 57,329,000 | 56,872,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 305,423,000 | 339,721,000 | 327,238,000 | 326,484,000 |
| Interest-bearing deposits | 252,883,000 | 281,064,000 | 268,398,000 | 267,372,000 |
| Noninterest-bearing deposits | 52,540,000 | 58,657,000 | 58,840,000 | 59,112,000 |
| Equity capital | 41,787,000 | 42,084,000 | 43,489,000 | 45,195,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 4,882,000 | 10,215,000 | 15,804,000 | 21,583,000 |
| Interest expense | 1,624,000 | 3,334,000 | 5,005,000 | 6,701,000 |
| Net interest income | 3,258,000 | 6,881,000 | 10,799,000 | 14,882,000 |
| Noninterest income | 326,000 | 709,000 | 1,140,000 | 1,541,000 |
| Noninterest expense | 1,986,000 | 4,157,000 | 6,283,000 | 8,846,000 |
| Provision for loan losses | 75,000 | 9,000 | 84,000 | 330,000 |
| Pretax income | 1,523,000 | 3,283,000 | 5,431,000 | 7,103,000 |
| Income tax | 0 | 274,000 | 415,000 | 589,000 |
| Net income | 1,523,000 | 3,009,000 | 5,016,000 | 6,514,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,610,000 | 42,590,000 | 43,832,000 | 45,333,000 |