Call reports 2012
STATE BANK OF PARK RAPIDS — 2012
What STATE BANK OF PARK RAPIDS reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 85,334,000 | 86,562,000 | 90,385,000 | 89,917,000 |
| Total loans | 43,769,000 | 42,807,000 | 42,684,000 | 44,402,000 |
| Allowance for loan losses | 928,000 | 830,000 | 820,000 | 789,000 |
| Securities available for sale | 29,003,000 | 28,910,000 | 34,431,000 | 34,781,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,748,000 | 73,574,000 | 77,023,000 | 76,024,000 |
| Interest-bearing deposits | 62,910,000 | 63,487,000 | 66,548,000 | 64,170,000 |
| Noninterest-bearing deposits | 9,838,000 | 10,087,000 | 10,475,000 | 11,854,000 |
| Equity capital | 9,653,000 | 9,956,000 | 10,296,000 | 9,902,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 937,000 | 1,842,000 | 2,735,000 | 3,634,000 |
| Interest expense | 187,000 | 367,000 | 531,000 | 688,000 |
| Net interest income | 750,000 | 1,475,000 | 2,204,000 | 2,946,000 |
| Noninterest income | 55,000 | 145,000 | 141,000 | 335,000 |
| Noninterest expense | 569,000 | 1,238,000 | 1,814,000 | 2,587,000 |
| Provision for loan losses | 33,000 | -67,000 | -67,000 | -67,000 |
| Pretax income | 615,000 | 862,000 | 1,079,000 | 1,242,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 614,000 | 861,000 | 1,078,000 | 1,241,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,813,000 | 9,060,000 | 9,277,000 | 9,140,000 |
| Total capital | 9,475,000 | 9,716,000 | 9,928,000 | 9,811,000 |
| Risk-weighted assets | 52,722,000 | 52,289,000 | 51,917,000 | 53,593,000 |