Call reports 2015
NORTHERN STATE BANK — 2015
What NORTHERN STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 225,549,000 | 231,503,000 | 237,624,000 | 235,895,000 |
| Total loans | 141,487,000 | 141,448,000 | 146,368,000 | 149,366,000 |
| Allowance for loan losses | 1,139,000 | 1,183,000 | 1,239,000 | 1,210,000 |
| Securities available for sale | 74,408,000 | 72,239,000 | 79,115,000 | 69,006,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 205,227,000 | 211,488,000 | 217,380,000 | 216,224,000 |
| Interest-bearing deposits | 174,635,000 | 175,256,000 | 182,672,000 | 188,120,000 |
| Noninterest-bearing deposits | 30,592,000 | 36,232,000 | 34,708,000 | 28,104,000 |
| Equity capital | 19,756,000 | 19,645,000 | 19,832,000 | 19,499,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,769,000 | 3,562,000 | 5,398,000 | 7,264,000 |
| Interest expense | 185,000 | 354,000 | 523,000 | 687,000 |
| Net interest income | 1,584,000 | 3,208,000 | 4,875,000 | 6,577,000 |
| Noninterest income | 218,000 | 438,000 | 675,000 | 930,000 |
| Noninterest expense | 1,424,000 | 2,827,000 | 4,277,000 | 5,734,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 110,000 |
| Pretax income | 737,000 | 1,148,000 | 1,572,000 | 2,097,000 |
| Income tax | 7,000 | 12,000 | 17,000 | 23,000 |
| Net income | 730,000 | 1,136,000 | 1,555,000 | 2,074,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,582,000 | 19,589,000 | 19,611,000 | 19,681,000 |
| Total capital | 20,721,000 | 20,772,000 | 20,850,000 | 20,891,000 |
| Risk-weighted assets | 124,423,000 | 123,393,000 | 130,724,000 | 133,856,000 |