Call reports 2013
NORTHERN STATE BANK — 2013
What NORTHERN STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 232,981,000 | 231,771,000 | 239,354,000 | 239,654,000 |
| Total loans | 130,718,000 | 130,171,000 | 130,186,000 | 127,582,000 |
| Allowance for loan losses | 1,137,000 | 1,316,000 | 1,309,000 | 1,213,000 |
| Securities available for sale | 93,006,000 | 89,466,000 | 99,630,000 | 95,198,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 212,229,000 | 212,226,000 | 219,612,000 | 220,703,000 |
| Interest-bearing deposits | 185,637,000 | 183,592,000 | 188,227,000 | 186,991,000 |
| Noninterest-bearing deposits | 26,592,000 | 28,634,000 | 31,385,000 | 33,712,000 |
| Equity capital | 20,586,000 | 19,287,000 | 19,359,000 | 18,780,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,935,000 | 3,745,000 | 5,561,000 | 7,363,000 |
| Interest expense | 237,000 | 464,000 | 692,000 | 909,000 |
| Net interest income | 1,698,000 | 3,281,000 | 4,869,000 | 6,454,000 |
| Noninterest income | 2,019,000 | 2,159,000 | 2,367,000 | 2,575,000 |
| Noninterest expense | 1,314,000 | 2,623,000 | 3,992,000 | 5,714,000 |
| Provision for loan losses | 30,000 | 250,000 | 250,000 | 250,000 |
| Pretax income | 2,373,000 | 2,567,000 | 2,994,000 | 3,065,000 |
| Income tax | 11,000 | 21,000 | 31,000 | 40,000 |
| Net income | 2,362,000 | 2,546,000 | 2,963,000 | 3,025,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,905,000 | 19,493,000 | 19,314,000 | 18,781,000 |
| Total capital | 21,042,000 | 20,809,000 | 20,623,000 | 19,994,000 |
| Risk-weighted assets | 117,256,000 | 116,314,000 | 119,029,000 | 120,114,000 |