Call reports 2013
STATE BANK OF PARK RAPIDS — 2013
What STATE BANK OF PARK RAPIDS reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 90,836,000 | 95,712,000 | 99,728,000 | 101,918,000 |
| Total loans | 44,247,000 | 43,783,000 | 44,153,000 | 45,131,000 |
| Allowance for loan losses | 678,000 | 603,000 | 591,000 | 619,000 |
| Securities available for sale | 37,367,000 | 39,692,000 | 44,585,000 | 48,426,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,336,000 | 83,715,000 | 87,836,000 | 86,895,000 |
| Interest-bearing deposits | 66,478,000 | 72,325,000 | 74,937,000 | 74,327,000 |
| Noninterest-bearing deposits | 10,858,000 | 11,390,000 | 12,899,000 | 12,568,000 |
| Equity capital | 9,564,000 | 9,012,000 | 8,857,000 | 9,103,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 843,000 | 1,732,000 | 2,681,000 | 3,643,000 |
| Interest expense | 136,000 | 277,000 | 415,000 | 552,000 |
| Net interest income | 707,000 | 1,455,000 | 2,266,000 | 3,091,000 |
| Noninterest income | 39,000 | 126,000 | 216,000 | 333,000 |
| Noninterest expense | 611,000 | 1,203,000 | 1,853,000 | 2,489,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 223,000 | 466,000 | 717,000 | 1,022,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 222,000 | 465,000 | 716,000 | 1,021,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,025,000 | 9,269,000 | 9,519,000 | 9,825,000 |
| Total capital | 9,704,000 | 9,872,000 | 10,110,000 | 10,444,000 |
| Risk-weighted assets | 54,347,000 | 55,993,000 | 56,612,000 | 58,955,000 |