Call reports 2007
STATE BANK OF PARK RAPIDS — 2007
What STATE BANK OF PARK RAPIDS reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 108,277,000 | 115,990,000 | 117,768,000 | 115,594,000 |
| Total loans | 74,348,000 | 74,090,000 | 72,158,000 | 72,026,000 |
| Allowance for loan losses | 996,000 | 1,135,000 | 1,293,000 | 1,321,000 |
| Securities available for sale | 25,046,000 | 25,890,000 | 30,233,000 | 31,758,000 |
| Securities held to maturity | 349,000 | 333,000 | 318,000 | 302,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,616,000 | 84,353,000 | 85,736,000 | 84,970,000 |
| Interest-bearing deposits | 67,110,000 | 75,086,000 | 75,317,000 | 74,978,000 |
| Noninterest-bearing deposits | 8,506,000 | 9,267,000 | 10,419,000 | 9,992,000 |
| Equity capital | 8,690,000 | 8,635,000 | 8,959,000 | 8,632,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,805,000 | 3,816,000 | 5,805,000 | 7,708,000 |
| Interest expense | 913,000 | 1,918,000 | 2,916,000 | 3,928,000 |
| Net interest income | 892,000 | 1,898,000 | 2,889,000 | 3,780,000 |
| Noninterest income | 188,000 | 352,000 | 509,000 | 668,000 |
| Noninterest expense | 589,000 | 1,201,000 | 1,804,000 | 2,559,000 |
| Provision for loan losses | 552,000 | 687,000 | 887,000 | 1,765,000 |
| Pretax income | -59,000 | 362,000 | 707,000 | 124,000 |
| Income tax | 0 | 1,000 | 1,000 | 2,000 |
| Net income | -59,000 | 361,000 | 706,000 | 122,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,849,000 | 9,270,000 | 9,280,000 | 8,683,000 |
| Total capital | 9,845,000 | 10,300,000 | 10,281,000 | 9,703,000 |
| Risk-weighted assets | 80,485,000 | 82,324,000 | 79,786,000 | 81,335,000 |
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