Call reports 2012
NORTHERN STATE BANK — 2012
What NORTHERN STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 226,564,000 | 223,408,000 | 226,525,000 | 233,012,000 |
| Total loans | 138,499,000 | 135,863,000 | 135,270,000 | 133,591,000 |
| Allowance for loan losses | 1,075,000 | 1,083,000 | 1,086,000 | 1,067,000 |
| Securities available for sale | 77,925,000 | 75,924,000 | 83,348,000 | 85,595,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 207,715,000 | 204,414,000 | 206,207,000 | 214,095,000 |
| Interest-bearing deposits | 182,306,000 | 176,789,000 | 179,083,000 | 183,155,000 |
| Noninterest-bearing deposits | 25,409,000 | 27,625,000 | 27,124,000 | 30,940,000 |
| Equity capital | 18,612,000 | 18,647,000 | 18,878,000 | 18,827,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,072,000 | 4,080,000 | 6,047,000 | 7,983,000 |
| Interest expense | 305,000 | 588,000 | 855,000 | 1,109,000 |
| Net interest income | 1,767,000 | 3,492,000 | 5,192,000 | 6,874,000 |
| Noninterest income | 205,000 | 325,000 | 533,000 | 728,000 |
| Noninterest expense | 1,381,000 | 2,730,000 | 4,096,000 | 5,143,000 |
| Provision for loan losses | 50,000 | 235,000 | 265,000 | 265,000 |
| Pretax income | 747,000 | 1,406,000 | 1,918,000 | 2,747,000 |
| Income tax | 0 | 12,000 | 24,000 | 33,000 |
| Net income | 747,000 | 1,394,000 | 1,894,000 | 2,714,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,809,000 | 17,961,000 | 17,965,000 | 18,037,000 |
| Total capital | 18,884,000 | 19,044,000 | 19,051,000 | 19,104,000 |
| Risk-weighted assets | 126,032,000 | 122,492,000 | 121,802,000 | 119,971,000 |