Call reports 2010
NORTHERN STATE BANK — 2010
What NORTHERN STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 210,563,000 | 214,261,000 | 219,306,000 | 222,831,000 |
| Total loans | 139,458,000 | 140,570,000 | 140,564,000 | 138,099,000 |
| Allowance for loan losses | 1,203,000 | 1,223,000 | 1,234,000 | 1,217,000 |
| Securities available for sale | 52,505,000 | 56,163,000 | 62,483,000 | 70,554,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 194,169,000 | 197,044,000 | 200,615,000 | 205,122,000 |
| Interest-bearing deposits | 170,005,000 | 171,691,000 | 176,064,000 | 180,378,000 |
| Noninterest-bearing deposits | 24,164,000 | 25,353,000 | 24,552,000 | 24,744,000 |
| Equity capital | 16,121,000 | 16,875,000 | 18,257,000 | 17,523,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,140,000 | 4,511,000 | 6,840,000 | 9,126,000 |
| Interest expense | 495,000 | 1,047,000 | 1,598,000 | 2,079,000 |
| Net interest income | 1,645,000 | 3,464,000 | 5,242,000 | 7,047,000 |
| Noninterest income | 148,000 | 367,000 | 529,000 | 707,000 |
| Noninterest expense | 1,116,000 | 2,372,000 | 3,720,000 | 5,017,000 |
| Provision for loan losses | 30,000 | 60,000 | 110,000 | 170,000 |
| Pretax income | 647,000 | 1,399,000 | 1,941,000 | 2,567,000 |
| Income tax | 3,000 | 13,000 | 21,000 | 32,000 |
| Net income | 1,943,000 | 2,685,000 | 4,443,000 | 5,055,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,473,000 | 15,668,000 | 16,884,000 | 16,956,000 |
| Total capital | 16,676,000 | 16,891,000 | 18,118,000 | 18,173,000 |
| Risk-weighted assets | 132,092,000 | 132,103,000 | 132,625,000 | 130,583,000 |