Call reports 2001
BORDER STATE BANK OF INTERNATIONAL FALLS — 2001
What BORDER STATE BANK OF INTERNATIONAL FALLS reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 15,636,000 | 17,754,000 | 21,154,000 | 23,357,000 |
| Total loans | 11,733,000 | 14,816,000 | 15,893,000 | 18,843,000 |
| Allowance for loan losses | 124,000 | 176,000 | 198,000 | 221,000 |
| Securities available for sale | 796,000 | 438,000 | 442,000 | 299,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,086,000 | 15,242,000 | 18,668,000 | 19,870,000 |
| Interest-bearing deposits | 11,434,000 | 13,167,000 | 15,034,000 | 17,843,000 |
| Noninterest-bearing deposits | 1,652,000 | 2,075,000 | 3,634,000 | 2,027,000 |
| Equity capital | 2,290,000 | 2,269,000 | 2,287,000 | 2,306,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 293,000 | 619,000 | 974,000 | 1,355,000 |
| Interest expense | 156,000 | 317,000 | 489,000 | 652,000 |
| Net interest income | 137,000 | 302,000 | 485,000 | 703,000 |
| Noninterest income | 47,000 | 94,000 | 146,000 | 204,000 |
| Noninterest expense | 173,000 | 368,000 | 552,000 | 770,000 |
| Provision for loan losses | 23,000 | 74,000 | 97,000 | 119,000 |
| Pretax income | -12,000 | -46,000 | -18,000 | 18,000 |
| Income tax | -5,000 | -18,000 | -7,000 | 9,000 |
| Net income | -7,000 | -28,000 | -11,000 | 9,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,262,000 | 2,241,000 | 2,259,000 | 2,305,000 |
| Total capital | 2,388,000 | 2,420,000 | 2,457,000 | 2,526,000 |
| Risk-weighted assets | 11,927,000 | 15,213,000 | 16,693,000 | 19,035,000 |