Call reports 2006
PRIOR LAKE STATE BANK — 2006
What PRIOR LAKE STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 153,188,000 | 151,304,000 | 159,772,000 | 162,621,000 |
| Total loans | 124,374,000 | 120,209,000 | 125,849,000 | 130,152,000 |
| Allowance for loan losses | 1,756,000 | 1,799,000 | 1,844,000 | 1,890,000 |
| Securities available for sale | 23,566,000 | 22,726,000 | 21,753,000 | 20,221,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,695,000 | 126,270,000 | 133,591,000 | 140,399,000 |
| Interest-bearing deposits | 120,640,000 | 108,213,000 | 117,654,000 | 125,319,000 |
| Noninterest-bearing deposits | 13,055,000 | 18,057,000 | 15,938,000 | 15,080,000 |
| Equity capital | 18,590,000 | 18,807,000 | 19,652,000 | 21,159,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,737,000 | 5,614,000 | 8,561,000 | 11,718,000 |
| Interest expense | 549,000 | 1,148,000 | 1,834,000 | 2,678,000 |
| Net interest income | 2,188,000 | 4,466,000 | 6,727,000 | 9,040,000 |
| Noninterest income | 238,000 | 482,000 | 726,000 | 968,000 |
| Noninterest expense | 1,012,000 | 2,046,000 | 3,158,000 | 4,206,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 1,369,000 | 2,812,000 | 4,160,000 | 5,622,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,369,000 | 2,812,000 | 4,160,000 | 5,622,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,781,000 | 18,993,000 | 19,802,000 | 21,264,000 |
| Total capital | 20,488,000 | 20,664,000 | 21,544,000 | 23,033,000 |
| Risk-weighted assets | 136,480,000 | 132,810,000 | 139,252,000 | 140,709,000 |