Call reports 2004
NORTHERN STATE BANK OF THIEF RIVER FALLS — 2004
What NORTHERN STATE BANK OF THIEF RIVER FALLS reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 177,175,000 | 168,159,000 | 174,161,000 | 184,643,000 |
| Total loans | 91,355,000 | 100,359,000 | 103,948,000 | 102,998,000 |
| Allowance for loan losses | 3,294,000 | 3,453,000 | 3,064,000 | 3,169,000 |
| Securities available for sale | 39,993,000 | 46,111,000 | 39,760,000 | 57,600,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 143,375,000 | 136,629,000 | 141,929,000 | 152,440,000 |
| Interest-bearing deposits | 122,616,000 | 116,829,000 | 119,659,000 | 130,776,000 |
| Noninterest-bearing deposits | 20,759,000 | 19,800,000 | 22,270,000 | 21,664,000 |
| Equity capital | 27,659,000 | 27,397,000 | 28,176,000 | 28,724,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,865,000 | 3,755,000 | 5,725,000 | 7,805,000 |
| Interest expense | 418,000 | 824,000 | 1,244,000 | 1,739,000 |
| Net interest income | 1,447,000 | 2,931,000 | 4,481,000 | 6,066,000 |
| Noninterest income | 236,000 | 463,000 | 733,000 | 951,000 |
| Noninterest expense | 888,000 | 1,758,000 | 2,651,000 | 3,190,000 |
| Provision for loan losses | 90,000 | 180,000 | 240,000 | 270,000 |
| Pretax income | 705,000 | 1,456,000 | 2,323,000 | 3,557,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 705,000 | 1,456,000 | 2,323,000 | 3,557,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,847,000 | 27,196,000 | 27,661,000 | 28,493,000 |
| Total capital | 28,058,000 | 28,477,000 | 28,977,000 | 29,819,000 |
| Risk-weighted assets | 94,777,000 | 100,323,000 | 103,494,000 | 104,258,000 |