Call reports 2004
STATE BANK OF PARK RAPIDS — 2004
What STATE BANK OF PARK RAPIDS reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 87,202,000 | 87,391,000 | 101,147,000 | 105,718,000 |
| Total loans | 55,359,000 | 56,272,000 | 58,397,000 | 66,790,000 |
| Allowance for loan losses | 1,087,000 | 1,008,000 | 1,018,000 | 1,005,000 |
| Securities available for sale | 22,408,000 | 21,202,000 | 33,060,000 | 27,988,000 |
| Securities held to maturity | 1,827,000 | 1,695,000 | 1,624,000 | 1,556,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,713,000 | 64,398,000 | 77,467,000 | 75,617,000 |
| Interest-bearing deposits | 55,579,000 | 55,377,000 | 67,736,000 | 65,019,000 |
| Noninterest-bearing deposits | 8,134,000 | 9,021,000 | 9,731,000 | 10,598,000 |
| Equity capital | 7,677,000 | 7,173,000 | 7,817,000 | 7,883,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,325,000 | 2,687,000 | 4,071,000 | 5,554,000 |
| Interest expense | 533,000 | 1,061,000 | 1,617,000 | 2,205,000 |
| Net interest income | 792,000 | 1,626,000 | 2,454,000 | 3,349,000 |
| Noninterest income | 110,000 | 221,000 | 332,000 | 408,000 |
| Noninterest expense | 522,000 | 1,048,000 | 1,627,000 | 2,297,000 |
| Provision for loan losses | 19,000 | 38,000 | 56,000 | 106,000 |
| Pretax income | 361,000 | 761,000 | 1,103,000 | 1,378,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 2,000 |
| Net income | 359,000 | 759,000 | 1,101,000 | 1,376,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,154,000 | 7,308,000 | 7,510,000 | 7,786,000 |
| Total capital | 7,909,000 | 8,076,000 | 8,331,000 | 8,699,000 |
| Risk-weighted assets | 60,086,000 | 61,180,000 | 65,494,000 | 72,936,000 |
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