Call reports 2009
NORTHERN STATE BANK — 2009
What NORTHERN STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 179,904,000 | 174,337,000 | 179,976,000 | 179,748,000 |
| Total loans | 124,481,000 | 125,019,000 | 125,431,000 | 126,027,000 |
| Allowance for loan losses | 1,078,000 | 1,122,000 | 1,181,000 | 1,234,000 |
| Securities available for sale | 43,933,000 | 43,868,000 | 45,215,000 | 45,554,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,346,000 | 159,109,000 | 164,618,000 | 164,716,000 |
| Interest-bearing deposits | 144,434,000 | 137,108,000 | 141,207,000 | 142,095,000 |
| Noninterest-bearing deposits | 20,912,000 | 22,001,000 | 23,411,000 | 22,621,000 |
| Equity capital | 14,271,000 | 14,421,000 | 14,839,000 | 14,784,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,256,000 | 4,484,000 | 6,677,000 | 8,847,000 |
| Interest expense | 692,000 | 1,285,000 | 1,852,000 | 2,389,000 |
| Net interest income | 1,564,000 | 3,199,000 | 4,825,000 | 6,458,000 |
| Noninterest income | 171,000 | 335,000 | 505,000 | 678,000 |
| Noninterest expense | 1,026,000 | 2,163,000 | 3,278,000 | 4,382,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 233,000 |
| Pretax income | 649,000 | 1,251,000 | 1,872,000 | 2,521,000 |
| Income tax | 26,000 | 33,000 | 40,000 | 47,000 |
| Net income | 623,000 | 1,218,000 | 1,832,000 | 2,474,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,794,000 | 13,889,000 | 14,103,000 | 14,169,000 |
| Total capital | 14,872,000 | 15,011,000 | 15,284,000 | 15,403,000 |
| Risk-weighted assets | 113,633,000 | 113,038,000 | 114,344,000 | 115,065,000 |