Call reports 2002
NORTHERN STATE BANK OF THIEF RIVER FALLS — 2002
What NORTHERN STATE BANK OF THIEF RIVER FALLS reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 175,910,000 | 174,174,000 | 180,707,000 | 186,516,000 |
| Total loans | 88,234,000 | 90,091,000 | 90,108,000 | 89,274,000 |
| Allowance for loan losses | 2,781,000 | 2,993,000 | 3,106,000 | 3,200,000 |
| Securities available for sale | 71,533,000 | 61,438,000 | 66,434,000 | 71,142,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,949,000 | 134,339,000 | 139,339,000 | 143,299,000 |
| Interest-bearing deposits | 121,322,000 | 119,099,000 | 121,229,000 | 124,413,000 |
| Noninterest-bearing deposits | 14,627,000 | 15,240,000 | 18,110,000 | 18,886,000 |
| Equity capital | 34,546,000 | 35,498,000 | 36,406,000 | 28,183,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,445,000 | 4,856,000 | 7,177,000 | 9,567,000 |
| Interest expense | 795,000 | 1,536,000 | 2,250,000 | 2,929,000 |
| Net interest income | 1,650,000 | 3,320,000 | 4,927,000 | 6,638,000 |
| Noninterest income | 204,000 | 411,000 | 657,000 | 910,000 |
| Noninterest expense | 797,000 | 1,606,000 | 2,403,000 | 3,209,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 540,000 |
| Pretax income | 907,000 | 1,825,000 | 2,731,000 | 3,912,000 |
| Income tax | 0 | 12,000 | 19,000 | 2,000 |
| Net income | 907,000 | 1,813,000 | 2,712,000 | 3,910,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,578,000 | 34,047,000 | 34,512,000 | 26,596,000 |
| Total capital | 34,764,000 | 35,248,000 | 35,725,000 | 27,804,000 |
| Risk-weighted assets | 93,319,000 | 94,264,000 | 95,171,000 | 94,653,000 |