Call reports 2003
NORTHERN STATE BANK OF THIEF RIVER FALLS — 2003
What NORTHERN STATE BANK OF THIEF RIVER FALLS reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 171,213,000 | 171,779,000 | 174,403,000 | 175,951,000 |
| Total loans | 88,146,000 | 95,552,000 | 95,000,000 | 93,157,000 |
| Allowance for loan losses | 3,317,000 | 3,358,000 | 3,287,000 | 3,162,000 |
| Securities available for sale | 64,508,000 | 47,041,000 | 47,115,000 | 41,594,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,827,000 | 137,104,000 | 142,355,000 | 142,638,000 |
| Interest-bearing deposits | 122,217,000 | 118,097,000 | 121,015,000 | 120,400,000 |
| Noninterest-bearing deposits | 16,610,000 | 19,007,000 | 21,340,000 | 22,238,000 |
| Equity capital | 28,371,000 | 29,094,000 | 29,345,000 | 29,162,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,084,000 | 4,207,000 | 6,317,000 | 8,225,000 |
| Interest expense | 599,000 | 1,151,000 | 1,637,000 | 2,079,000 |
| Net interest income | 1,485,000 | 3,056,000 | 4,680,000 | 6,146,000 |
| Noninterest income | 234,000 | 505,000 | 798,000 | 1,090,000 |
| Noninterest expense | 827,000 | 1,646,000 | 2,467,000 | 3,308,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 802,000 | 1,735,000 | 2,741,000 | 3,568,000 |
| Income tax | 0 | 0 | 0 | 2,000 |
| Net income | 802,000 | 1,735,000 | 2,741,000 | 3,566,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,874,000 | 27,514,000 | 28,117,000 | 28,284,000 |
| Total capital | 28,037,000 | 28,752,000 | 29,357,000 | 29,513,000 |
| Risk-weighted assets | 90,893,000 | 96,924,000 | 97,141,000 | 96,372,000 |