Call reports 2005
STATE BANK OF PARK RAPIDS — 2005
What STATE BANK OF PARK RAPIDS reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 102,160,000 | 103,668,000 | 105,176,000 | 107,265,000 |
| Total loans | 66,571,000 | 68,854,000 | 70,985,000 | 73,089,000 |
| Allowance for loan losses | 1,064,000 | 1,133,000 | 1,142,000 | 1,055,000 |
| Securities available for sale | 26,338,000 | 25,996,000 | 25,910,000 | 24,777,000 |
| Securities held to maturity | 1,062,000 | 951,000 | 909,000 | 879,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,705,000 | 72,484,000 | 73,349,000 | 72,982,000 |
| Interest-bearing deposits | 62,337,000 | 61,415,000 | 61,831,000 | 62,130,000 |
| Noninterest-bearing deposits | 9,368,000 | 11,069,000 | 11,518,000 | 10,852,000 |
| Equity capital | 7,637,000 | 8,102,000 | 8,189,000 | 8,271,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,598,000 | 3,180,000 | 4,844,000 | 6,610,000 |
| Interest expense | 594,000 | 1,218,000 | 1,886,000 | 2,627,000 |
| Net interest income | 1,004,000 | 1,962,000 | 2,958,000 | 3,983,000 |
| Noninterest income | 218,000 | 314,000 | 446,000 | 598,000 |
| Noninterest expense | 539,000 | 1,134,000 | 1,716,000 | 2,401,000 |
| Provision for loan losses | 19,000 | 25,000 | 25,000 | 25,000 |
| Pretax income | 664,000 | 1,117,000 | 1,663,000 | 2,155,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 2,000 |
| Net income | 662,000 | 1,115,000 | 1,661,000 | 2,153,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,970,000 | 8,022,000 | 8,362,000 | 8,586,000 |
| Total capital | 8,877,000 | 8,964,000 | 9,328,000 | 9,568,000 |
| Risk-weighted assets | 72,429,000 | 75,148,000 | 77,119,000 | 78,525,000 |
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