Call reports 2017
NORTHERN STATE BANK — 2017
What NORTHERN STATE BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 241,299,000 | 245,724,000 | 248,740,000 | 244,494,000 |
| Total loans | 152,710,000 | 158,785,000 | 156,871,000 | 155,882,000 |
| Allowance for loan losses | 1,246,000 | 1,304,000 | 1,315,000 | 1,297,000 |
| Securities available for sale | 74,141,000 | 71,010,000 | 70,923,000 | 70,751,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 221,232,000 | 225,234,000 | 227,527,000 | 223,782,000 |
| Interest-bearing deposits | 184,746,000 | 189,002,000 | 188,150,000 | 186,406,000 |
| Noninterest-bearing deposits | 36,485,000 | 36,232,000 | 39,377,000 | 37,376,000 |
| Equity capital | 19,738,000 | 20,002,000 | 20,614,000 | 20,428,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,931,000 | 3,927,000 | 6,010,000 | 8,088,000 |
| Interest expense | 138,000 | 282,000 | 430,000 | 569,000 |
| Net interest income | 1,793,000 | 3,645,000 | 5,580,000 | 7,519,000 |
| Noninterest income | 227,000 | 438,000 | 1,133,000 | 1,333,000 |
| Noninterest expense | 1,375,000 | 2,717,000 | 4,114,000 | 5,390,000 |
| Provision for loan losses | 40,000 | 100,000 | 130,000 | 160,000 |
| Pretax income | 605,000 | 1,266,000 | 2,469,000 | 3,302,000 |
| Income tax | 12,000 | 21,000 | 30,000 | 39,000 |
| Net income | 593,000 | 1,245,000 | 2,439,000 | 3,263,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,208,000 | 20,360,000 | 21,055,000 | 21,278,000 |
| Total capital | 21,454,000 | 21,664,000 | 22,370,000 | 22,575,000 |
| Risk-weighted assets | 136,506,000 | 144,962,000 | 142,872,000 | 145,522,000 |