Call reports 2022
NORTHERN STATE BANK — 2022
What NORTHERN STATE BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 326,101,000 | 318,853,000 | 323,445,000 | 316,202,000 |
| Total loans | 132,956,000 | 139,582,000 | 150,244,000 | 155,042,000 |
| Allowance for loan losses | 1,373,000 | 1,373,000 | 1,373,000 | 1,373,000 |
| Securities available for sale | 79,102,000 | 82,049,000 | 78,435,000 | 77,729,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 298,536,000 | 296,829,000 | 302,148,000 | 294,405,000 |
| Interest-bearing deposits | 256,791,000 | 256,736,000 | 259,936,000 | 255,832,000 |
| Noninterest-bearing deposits | 41,745,000 | 40,093,000 | 42,212,000 | 38,573,000 |
| Equity capital | 22,311,000 | 21,642,000 | 20,824,000 | 21,583,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,692,000 | 3,595,000 | 5,839,000 | 8,433,000 |
| Interest expense | 110,000 | 217,000 | 348,000 | 506,000 |
| Net interest income | 1,582,000 | 3,378,000 | 5,491,000 | 7,927,000 |
| Noninterest income | 313,000 | 585,000 | 835,000 | 1,085,000 |
| Noninterest expense | 1,453,000 | 2,902,000 | 4,341,000 | 5,786,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 442,000 | 1,061,000 | 1,985,000 | 3,226,000 |
| Income tax | 7,000 | 12,000 | 21,000 | 29,000 |
| Net income | 435,000 | 1,049,000 | 1,964,000 | 3,197,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,840,000 | 25,155,000 | 25,670,000 | 26,003,000 |
| Total capital | 26,213,000 | 26,528,000 | 27,043,000 | 27,376,000 |
| Risk-weighted assets | 141,953,000 | 147,495,000 | 145,903,000 | 150,326,000 |
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