Call reports 2013
NORSTATES BANK — 2013
What NORSTATES BANK 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 | 403,662,000 | 397,605,000 | 405,673,000 | 392,064,000 |
| Total loans | 266,299,000 | 257,300,000 | 237,698,000 | 225,295,000 |
| Allowance for loan losses | 20,913,000 | 19,239,000 | 14,772,000 | 9,130,000 |
| Securities available for sale | 63,006,000 | 96,327,000 | 94,311,000 | 92,407,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 356,783,000 | 353,373,000 | 358,955,000 | 348,450,000 |
| Interest-bearing deposits | 285,657,000 | 284,451,000 | 290,623,000 | 275,159,000 |
| Noninterest-bearing deposits | 71,126,000 | 68,922,000 | 68,332,000 | 73,291,000 |
| Equity capital | 28,880,000 | 26,580,000 | 26,089,000 | 25,003,000 |
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 | 3,674,000 | 7,161,000 | 10,421,000 | 13,938,000 |
| Interest expense | 119,000 | 228,000 | 331,000 | 433,000 |
| Net interest income | 3,555,000 | 6,933,000 | 10,090,000 | 13,505,000 |
| Noninterest income | -552,000 | 413,000 | 1,341,000 | 1,830,000 |
| Noninterest expense | 3,673,000 | 7,225,000 | 10,967,000 | 14,845,000 |
| Provision for loan losses | 400,000 | 2,000,000 | 2,500,000 | 3,400,000 |
| Pretax income | 268,000 | -130,000 | -287,000 | -1,161,000 |
| Income tax | 0 | 0 | 31,000 | 17,000 |
| Net income | 268,000 | -130,000 | -318,000 | -1,178,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,122,000 | 27,724,000 | 27,536,000 | 26,614,000 |
| Total capital | 31,475,000 | 31,114,000 | 30,652,000 | 29,646,000 |
| Risk-weighted assets | 250,656,000 | 255,322,000 | 237,635,000 | 236,482,000 |
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