Call reports 2006
STATE BANK OF PARK RAPIDS — 2006
What STATE BANK OF PARK RAPIDS reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 105,242,000 | 107,632,000 | 109,089,000 | 108,546,000 |
| Total loans | 73,510,000 | 75,055,000 | 75,826,000 | 76,081,000 |
| Allowance for loan losses | 1,059,000 | 1,063,000 | 1,139,000 | 1,036,000 |
| Securities available for sale | 23,662,000 | 22,844,000 | 24,791,000 | 24,148,000 |
| Securities held to maturity | 495,000 | 469,000 | 453,000 | 435,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,341,000 | 75,639,000 | 75,397,000 | 74,989,000 |
| Interest-bearing deposits | 61,988,000 | 64,792,000 | 65,018,000 | 65,928,000 |
| Noninterest-bearing deposits | 9,353,000 | 10,847,000 | 10,379,000 | 9,061,000 |
| Equity capital | 8,370,000 | 7,931,000 | 8,864,000 | 8,989,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,741,000 | 3,548,000 | 5,442,000 | 7,397,000 |
| Interest expense | 834,000 | 1,653,000 | 2,499,000 | 3,399,000 |
| Net interest income | 907,000 | 1,895,000 | 2,943,000 | 3,998,000 |
| Noninterest income | 112,000 | 206,000 | 347,000 | 516,000 |
| Noninterest expense | 603,000 | 1,219,000 | 1,792,000 | 2,555,000 |
| Provision for loan losses | 0 | 0 | 150,000 | 169,000 |
| Pretax income | 416,000 | 882,000 | 1,348,000 | 1,790,000 |
| Income tax | 1,000 | 1,000 | 2,000 | 2,000 |
| Net income | 415,000 | 881,000 | 1,346,000 | 1,788,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,791,000 | 8,795,000 | 9,071,000 | 9,214,000 |
| Total capital | 9,777,000 | 9,807,000 | 10,083,000 | 10,227,000 |
| Risk-weighted assets | 78,786,000 | 80,934,000 | 80,828,000 | 80,979,000 |
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