Call reports 2007
NORTHERN STATE BANK — 2007
What NORTHERN STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 158,266,000 | 156,051,000 | 157,449,000 | 169,422,000 |
| Total loans | 112,276,000 | 113,076,000 | 114,141,000 | 114,535,000 |
| Allowance for loan losses | 903,000 | 911,000 | 918,000 | 926,000 |
| Securities available for sale | 32,323,000 | 36,026,000 | 36,624,000 | 39,328,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,165,000 | 142,948,000 | 143,446,000 | 155,686,000 |
| Interest-bearing deposits | 125,189,000 | 123,950,000 | 123,589,000 | 135,220,000 |
| Noninterest-bearing deposits | 19,976,000 | 18,998,000 | 19,857,000 | 20,466,000 |
| Equity capital | 12,666,000 | 12,504,000 | 13,089,000 | 13,350,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,552,000 | 5,175,000 | 7,885,000 | 10,576,000 |
| Interest expense | 1,010,000 | 2,074,000 | 3,192,000 | 4,309,000 |
| Net interest income | 1,542,000 | 3,101,000 | 4,693,000 | 6,267,000 |
| Noninterest income | 172,000 | 349,000 | 523,000 | 726,000 |
| Noninterest expense | 978,000 | 1,952,000 | 2,974,000 | 3,977,000 |
| Provision for loan losses | 8,000 | 15,000 | 23,000 | 30,000 |
| Pretax income | 728,000 | 1,483,000 | 2,219,000 | 2,986,000 |
| Income tax | 11,000 | 23,000 | 35,000 | 48,000 |
| Net income | 717,000 | 1,460,000 | 2,184,000 | 2,938,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,976,000 | 13,068,000 | 13,193,000 | 13,247,000 |
| Total capital | 13,879,000 | 13,979,000 | 14,111,000 | 14,173,000 |
| Risk-weighted assets | 103,375,000 | 103,826,000 | 104,865,000 | 107,070,000 |