Call reports 2003
STATE BANK OF PARK RAPIDS — 2003
What STATE BANK OF PARK RAPIDS reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 83,277,000 | 82,692,000 | 87,231,000 | 85,970,000 |
| Total loans | 52,052,000 | 50,952,000 | 53,263,000 | 53,518,000 |
| Allowance for loan losses | 1,061,000 | 987,000 | 1,038,000 | 1,062,000 |
| Securities available for sale | 19,544,000 | 19,675,000 | 23,057,000 | 22,230,000 |
| Securities held to maturity | 2,847,000 | 2,518,000 | 2,323,000 | 2,159,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,843,000 | 58,810,000 | 63,379,000 | 62,665,000 |
| Interest-bearing deposits | 51,947,000 | 50,967,000 | 54,144,000 | 54,717,000 |
| Noninterest-bearing deposits | 6,896,000 | 7,843,000 | 9,235,000 | 7,948,000 |
| Equity capital | 7,156,000 | 7,419,000 | 7,299,000 | 7,497,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,364,000 | 2,672,000 | 3,980,000 | 5,314,000 |
| Interest expense | 576,000 | 1,146,000 | 1,712,000 | 2,249,000 |
| Net interest income | 788,000 | 1,526,000 | 2,268,000 | 3,065,000 |
| Noninterest income | 125,000 | 237,000 | 367,000 | 435,000 |
| Noninterest expense | 535,000 | 1,034,000 | 1,670,000 | 2,349,000 |
| Provision for loan losses | 45,000 | 107,000 | 152,000 | 197,000 |
| Pretax income | 333,000 | 641,000 | 832,000 | 973,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 2,000 |
| Net income | 331,000 | 639,000 | 830,000 | 971,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,735,000 | 6,927,000 | 7,009,000 | 7,150,000 |
| Total capital | 7,438,000 | 7,621,000 | 7,744,000 | 7,882,000 |
| Risk-weighted assets | 55,903,000 | 55,203,000 | 58,531,000 | 58,241,000 |
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