Call reports 2003

NORTHERN STATE BANK — 2003

Name: NORTHERN STATE BANK — FFIEC call report 2003
Creator: NORTHERN STATE BANK

What NORTHERN STATE BANK reported to the FFIEC in 2003, quarter by quarter.

PERIOD: 2003SOURCE: FFIEC Call ReportEvery measure source-linked

Cite: FACTANKER, https://factanker.com/entity/c06fc447-18d6-4b23-a6fb-445f85839248/2003

Balance sheet

What the bank holds and owes at quarter end

Measure	2003Q1	2003Q2	2003Q3	2003Q4
Total assets	138,844,000	142,424,000	144,304,000	141,568,000
Total loans	95,632,000	99,050,000	101,034,000	102,577,000
Allowance for loan losses	784,000	793,000	820,000	865,000
Securities available for sale	29,808,000	29,411,000	30,014,000	30,070,000
Securities held to maturity	0	0	0	0
Trading assets	0	0	0	0
Total deposits	126,571,000	129,793,000	131,938,000	127,926,000
Interest-bearing deposits	111,136,000	109,105,000	111,346,000	110,695,000
Noninterest-bearing deposits	15,435,000	20,688,000	20,592,000	17,231,000
Equity capital	11,892,000	12,180,000	11,936,000	11,975,000

Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year

Measure	2003Q1	2003Q2	2003Q3	2003Q4
Interest income	1,921,000	3,851,000	5,808,000	7,673,000
Interest expense	476,000	936,000	1,359,000	1,756,000
Net interest income	1,445,000	2,915,000	4,449,000	5,917,000
Noninterest income	139,000	288,000	450,000	608,000
Noninterest expense	895,000	1,815,000	2,752,000	3,630,000
Provision for loan losses	0	10,000	60,000	105,000
Pretax income	689,000	1,379,000	2,088,000	2,792,000
Income tax	6,000	16,000	26,000	38,000
Net income	683,000	1,363,000	2,062,000	2,754,000

Basel measures — not reported for every quarter

Measure	2003Q1	2003Q2	2003Q3	2003Q4
Tier 1 capital	10,646,000	10,777,000	10,976,000	11,167,000
Total capital	11,430,000	11,570,000	11,796,000	12,032,000
Risk-weighted assets	87,904,000	90,068,000	92,067,000	92,559,000