Call reports 2005
FIRST NATIONAL BANK OF PARK FALLS, THE — 2005
What FIRST NATIONAL BANK OF PARK FALLS, THE 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 | 70,372,000 | 74,052,000 | 74,565,000 | 76,136,000 |
| Total loans | 42,255,000 | 42,359,000 | 42,525,000 | 42,770,000 |
| Allowance for loan losses | 368,000 | 361,000 | 362,000 | 353,000 |
| Securities available for sale | 22,791,000 | 22,797,000 | 25,254,000 | 25,990,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,920,000 | 65,050,000 | 65,527,000 | 67,296,000 |
| Interest-bearing deposits | 52,457,000 | 56,512,000 | 55,931,000 | 58,004,000 |
| Noninterest-bearing deposits | 8,463,000 | 8,538,000 | 9,596,000 | 9,292,000 |
| Equity capital | 8,109,000 | 8,574,000 | 8,703,000 | 8,561,000 |
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 | 984,000 | 1,963,000 | 3,007,000 | 4,109,000 |
| Interest expense | 264,000 | 565,000 | 920,000 | 1,287,000 |
| Net interest income | 720,000 | 1,398,000 | 2,087,000 | 2,822,000 |
| Noninterest income | 111,000 | 285,000 | 415,000 | 515,000 |
| Noninterest expense | 625,000 | 1,271,000 | 1,895,000 | 2,523,000 |
| Provision for loan losses | -33,000 | -33,000 | -33,000 | -33,000 |
| Pretax income | 239,000 | 443,000 | 638,000 | 844,000 |
| Income tax | 15,000 | 26,000 | -31,000 | -19,000 |
| Net income | 224,000 | 417,000 | 669,000 | 863,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,452,000 | 8,645,000 | 8,897,000 | 9,031,000 |
| Total capital | 8,820,000 | 9,006,000 | 9,259,000 | 9,384,000 |
| Risk-weighted assets | 42,938,000 | 43,491,000 | 44,364,000 | 44,433,000 |