Call reports 2009
STATE BANK OF PARK RAPIDS — 2009
What STATE BANK OF PARK RAPIDS reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 104,227,000 | 111,749,000 | 104,523,000 | 96,520,000 |
| Total loans | 61,724,000 | 56,892,000 | 55,727,000 | 55,695,000 |
| Allowance for loan losses | 1,565,000 | 1,238,000 | 1,049,000 | 1,624,000 |
| Securities available for sale | 27,660,000 | 27,475,000 | 30,747,000 | 27,947,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,799,000 | 86,879,000 | 80,465,000 | 80,018,000 |
| Interest-bearing deposits | 69,729,000 | 73,701,000 | 71,677,000 | 70,543,000 |
| Noninterest-bearing deposits | 8,070,000 | 13,178,000 | 8,788,000 | 9,475,000 |
| Equity capital | 9,098,000 | 9,044,000 | 9,573,000 | 7,048,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,434,000 | 2,768,000 | 4,129,000 | 5,297,000 |
| Interest expense | 650,000 | 1,280,000 | 1,848,000 | 2,362,000 |
| Net interest income | 784,000 | 1,488,000 | 2,281,000 | 2,935,000 |
| Noninterest income | 122,000 | 190,000 | 126,000 | -1,164,000 |
| Noninterest expense | 695,000 | 1,526,000 | 2,199,000 | 3,015,000 |
| Provision for loan losses | 385,000 | 385,000 | 395,000 | 1,182,000 |
| Pretax income | -174,000 | -233,000 | -187,000 | -2,022,000 |
| Income tax | 2,000 | 4,000 | 4,000 | 4,000 |
| Net income | -176,000 | -237,000 | -191,000 | -2,026,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,499,000 | 8,437,000 | 8,484,000 | 6,648,000 |
| Total capital | 9,423,000 | 9,344,000 | 9,354,000 | 7,485,000 |
| Risk-weighted assets | 73,284,000 | 72,251,000 | 69,393,000 | 66,185,000 |
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