Call reports 2014
NORSTATES BANK — 2014
What NORSTATES BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 392,024,000 | 407,627,000 | 422,904,000 | 421,702,000 |
| Total loans | 219,059,000 | 215,307,000 | 213,031,000 | 219,049,000 |
| Allowance for loan losses | 9,211,000 | 8,570,000 | 8,407,000 | 6,541,000 |
| Securities available for sale | 91,217,000 | 116,363,000 | 117,447,000 | 121,368,000 |
| Securities held to maturity | 0 | 7,001,000 | 14,968,000 | 16,305,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 349,343,000 | 347,095,000 | 359,049,000 | 358,986,000 |
| Interest-bearing deposits | 275,833,000 | 273,608,000 | 286,520,000 | 277,352,000 |
| Noninterest-bearing deposits | 73,510,000 | 73,487,000 | 72,529,000 | 81,634,000 |
| Equity capital | 25,197,000 | 41,209,000 | 41,334,000 | 41,689,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,793,000 | 5,758,000 | 8,737,000 | 12,091,000 |
| Interest expense | 90,000 | 178,000 | 264,000 | 355,000 |
| Net interest income | 2,703,000 | 5,580,000 | 8,473,000 | 11,736,000 |
| Noninterest income | 808,000 | 1,928,000 | 2,882,000 | 3,368,000 |
| Noninterest expense | 3,741,000 | 7,348,000 | 10,830,000 | 14,655,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -152,000 | 239,000 | 603,000 | 543,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -152,000 | 239,000 | 603,000 | 543,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,485,000 | 41,915,000 | 42,279,000 | 42,219,000 |
| Total capital | 29,424,000 | 44,918,000 | 45,311,000 | 45,298,000 |
| Risk-weighted assets | 228,883,000 | 234,697,000 | 237,208,000 | 242,836,000 |