Call reports 2015
NORSTATES BANK — 2015
What NORSTATES BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 431,544,000 | 444,196,000 | 461,703,000 | 483,554,000 |
| Total loans | 217,270,000 | 229,932,000 | 232,847,000 | 237,327,000 |
| Allowance for loan losses | 6,153,000 | 7,834,000 | 7,032,000 | 6,011,000 |
| Securities available for sale | 101,659,000 | 112,353,000 | 106,593,000 | 97,788,000 |
| Securities held to maturity | 12,069,000 | 10,838,000 | 10,771,000 | 10,564,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 367,991,000 | 383,957,000 | 395,683,000 | 398,238,000 |
| Interest-bearing deposits | 287,405,000 | 299,564,000 | 309,432,000 | 301,508,000 |
| Noninterest-bearing deposits | 80,586,000 | 84,393,000 | 86,251,000 | 96,730,000 |
| Equity capital | 42,558,000 | 42,768,000 | 43,779,000 | 63,929,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,202,000 | 6,422,000 | 9,768,000 | 13,364,000 |
| Interest expense | 93,000 | 193,000 | 300,000 | 404,000 |
| Net interest income | 3,109,000 | 6,229,000 | 9,468,000 | 12,960,000 |
| Noninterest income | 796,000 | 1,793,000 | 2,718,000 | 2,265,000 |
| Noninterest expense | 3,657,000 | 7,306,000 | 10,817,000 | 14,235,000 |
| Provision for loan losses | 100,000 | 100,000 | 100,000 | -689,000 |
| Pretax income | 270,000 | 785,000 | 1,439,000 | 1,849,000 |
| Income tax | 0 | 15,000 | 65,000 | -20,180,000 |
| Net income | 270,000 | 770,000 | 1,374,000 | 22,029,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,489,000 | 42,989,000 | 43,593,000 | 48,986,000 |
| Total capital | 45,666,000 | 46,277,000 | 46,946,000 | 52,753,000 |
| Risk-weighted assets | 251,256,000 | 258,456,000 | 264,558,000 | 289,955,000 |