Call reports 2004
NORTHERN STATE BANK — 2004
What NORTHERN STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 148,079,000 | 146,224,000 | 146,739,000 | 149,043,000 |
| Total loans | 104,475,000 | 106,105,000 | 107,355,000 | 106,566,000 |
| Allowance for loan losses | 889,000 | 893,000 | 892,000 | 886,000 |
| Securities available for sale | 34,982,000 | 32,222,000 | 31,289,000 | 31,792,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,426,000 | 133,691,000 | 133,669,000 | 135,315,000 |
| Interest-bearing deposits | 114,992,000 | 115,892,000 | 114,650,000 | 116,584,000 |
| Noninterest-bearing deposits | 16,434,000 | 17,800,000 | 19,019,000 | 18,732,000 |
| Equity capital | 12,478,000 | 11,513,000 | 12,225,000 | 12,151,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,882,000 | 3,762,000 | 5,668,000 | 7,587,000 |
| Interest expense | 403,000 | 811,000 | 1,264,000 | 1,748,000 |
| Net interest income | 1,479,000 | 2,951,000 | 4,404,000 | 5,839,000 |
| Noninterest income | 174,000 | 347,000 | 514,000 | 680,000 |
| Noninterest expense | 937,000 | 1,875,000 | 2,846,000 | 3,784,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 729,000 | 1,457,000 | 2,106,000 | 2,769,000 |
| Income tax | 14,000 | 28,000 | 42,000 | 55,000 |
| Net income | 715,000 | 1,429,000 | 2,064,000 | 2,714,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,383,000 | 11,546,000 | 11,682,000 | 11,831,000 |
| Total capital | 12,272,000 | 12,439,000 | 12,574,000 | 12,717,000 |
| Risk-weighted assets | 95,394,000 | 95,511,000 | 96,488,000 | 96,460,000 |