Call reports 2017
NORSTATES BANK — 2017
What NORSTATES BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 492,450,000 | 477,713,000 | 505,985,000 | 494,122,000 |
| Total loans | 290,801,000 | 294,901,000 | 310,209,000 | 307,448,000 |
| Allowance for loan losses | 5,647,000 | 5,648,000 | 6,820,000 | 6,821,000 |
| Securities available for sale | 59,641,000 | 56,272,000 | 53,189,000 | 50,570,000 |
| Securities held to maturity | 12,926,000 | 12,856,000 | 12,786,000 | 12,715,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 400,276,000 | 387,254,000 | 410,602,000 | 401,902,000 |
| Interest-bearing deposits | 290,899,000 | 277,249,000 | 296,462,000 | 283,027,000 |
| Noninterest-bearing deposits | 109,377,000 | 110,005,000 | 114,140,000 | 118,875,000 |
| Equity capital | 67,471,000 | 66,294,000 | 67,694,000 | 61,580,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 3,666,000 | 7,417,000 | 11,493,000 | 15,614,000 |
| Interest expense | 89,000 | 168,000 | 272,000 | 394,000 |
| Net interest income | 3,577,000 | 7,249,000 | 11,221,000 | 15,220,000 |
| Noninterest income | 850,000 | -1,429,000 | -570,000 | 87,000 |
| Noninterest expense | 3,782,000 | 7,502,000 | 11,134,000 | 14,538,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 645,000 | -1,682,000 | -483,000 | 769,000 |
| Income tax | 207,000 | -747,000 | -847,000 | 6,399,000 |
| Net income | 438,000 | -935,000 | 364,000 | -5,630,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,276,000 | 51,069,000 | 51,301,000 | 50,968,000 |
| Total capital | 56,472,000 | 55,183,000 | 55,468,000 | 55,016,000 |
| Risk-weighted assets | 321,969,000 | 315,326,000 | 327,361,000 | 318,915,000 |