Call reports 2005
PRIOR LAKE STATE BANK — 2005
What PRIOR LAKE STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 159,324,000 | 160,335,000 | 166,956,000 | 161,833,000 |
| Total loans | 107,877,000 | 108,802,000 | 117,984,000 | 117,852,000 |
| Allowance for loan losses | 1,546,000 | 1,615,000 | 1,660,000 | 1,711,000 |
| Securities available for sale | 25,487,000 | 24,654,000 | 28,590,000 | 31,758,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,471,000 | 137,475,000 | 148,366,000 | 141,974,000 |
| Interest-bearing deposits | 96,799,000 | 95,717,000 | 105,630,000 | 99,537,000 |
| Noninterest-bearing deposits | 36,672,000 | 41,758,000 | 42,736,000 | 42,437,000 |
| Equity capital | 16,281,000 | 16,613,000 | 17,592,000 | 18,852,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,979,000 | 4,161,000 | 6,671,000 | 9,290,000 |
| Interest expense | 327,000 | 725,000 | 1,141,000 | 1,622,000 |
| Net interest income | 1,652,000 | 3,436,000 | 5,530,000 | 7,668,000 |
| Noninterest income | 256,000 | 523,000 | 792,000 | 1,024,000 |
| Noninterest expense | 972,000 | 1,920,000 | 2,885,000 | 3,934,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 891,000 | 1,949,000 | 3,302,000 | 4,578,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 891,000 | 1,949,000 | 3,302,000 | 4,578,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,454,000 | 16,792,000 | 17,785,000 | 19,062,000 |
| Total capital | 18,000,000 | 18,361,000 | 19,445,000 | 20,732,000 |
| Risk-weighted assets | 124,559,000 | 125,499,000 | 135,129,000 | 133,534,000 |