Call reports 2001
NORTHERN STATE BANK — 2001
What NORTHERN STATE BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 55,220,000 | 64,165,000 | 72,526,000 | 72,768,000 |
| Total loans | 37,143,000 | 43,897,000 | 50,824,000 | 56,240,000 |
| Allowance for loan losses | 558,000 | 604,000 | 739,000 | 844,000 |
| Securities available for sale | 12,955,000 | 13,976,000 | 12,450,000 | 11,693,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,472,000 | 51,033,000 | 58,970,000 | 60,391,000 |
| Interest-bearing deposits | 40,615,000 | 47,777,000 | 55,509,000 | 56,472,000 |
| Noninterest-bearing deposits | 2,857,000 | 3,256,000 | 3,461,000 | 3,919,000 |
| Equity capital | 10,120,000 | 9,732,000 | 9,418,000 | 9,121,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 964,000 | 2,027,000 | 3,218,000 | 4,397,000 |
| Interest expense | 585,000 | 1,226,000 | 1,943,000 | 2,585,000 |
| Net interest income | 379,000 | 801,000 | 1,275,000 | 1,812,000 |
| Noninterest income | 63,000 | 125,000 | 209,000 | 264,000 |
| Noninterest expense | 705,000 | 1,460,000 | 2,217,000 | 2,949,000 |
| Provision for loan losses | 106,000 | 215,000 | 350,000 | 470,000 |
| Pretax income | -369,000 | -749,000 | -1,083,000 | -1,343,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -369,000 | -749,000 | -1,083,000 | -1,343,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,982,000 | 9,603,000 | 9,147,000 | 8,889,000 |
| Total capital | 10,504,000 | 10,207,000 | 9,871,000 | 9,602,000 |
| Risk-weighted assets | 41,713,000 | 48,329,000 | 57,862,000 | 56,992,000 |
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