Call reports 2004
PRIOR LAKE STATE BANK — 2004
What PRIOR LAKE STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 148,427,000 | 149,269,000 | 150,664,000 | 153,434,000 |
| Total loans | 94,491,000 | 100,023,000 | 102,961,000 | 111,783,000 |
| Allowance for loan losses | 1,387,000 | 1,448,000 | 1,485,000 | 1,507,000 |
| Securities available for sale | 32,206,000 | 33,943,000 | 35,732,000 | 33,361,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,335,000 | 133,334,000 | 134,062,000 | 128,244,000 |
| Interest-bearing deposits | 99,343,000 | 91,954,000 | 94,530,000 | 88,298,000 |
| Noninterest-bearing deposits | 32,992,000 | 41,380,000 | 39,532,000 | 39,946,000 |
| Equity capital | 15,398,000 | 15,133,000 | 15,720,000 | 16,666,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,744,000 | 3,455,000 | 5,282,000 | 7,312,000 |
| Interest expense | 216,000 | 429,000 | 647,000 | 911,000 |
| Net interest income | 1,528,000 | 3,026,000 | 4,635,000 | 6,401,000 |
| Noninterest income | 274,000 | 609,000 | 930,000 | 1,215,000 |
| Noninterest expense | 935,000 | 1,899,000 | 2,916,000 | 3,846,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 822,000 | 1,646,000 | 2,514,000 | 3,590,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 822,000 | 1,646,000 | 2,514,000 | 3,590,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,135,000 | 15,239,000 | 15,747,000 | 16,823,000 |
| Total capital | 16,463,000 | 16,687,000 | 17,232,000 | 18,330,000 |
| Risk-weighted assets | 106,167,000 | 118,789,000 | 122,432,000 | 127,025,000 |