Call reports 2005
NORTHERN STATE BANK OF THIEF RIVER FALLS — 2005
What NORTHERN STATE BANK OF THIEF RIVER FALLS reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 175,877,000 | 176,944,000 | 173,021,000 | 187,513,000 |
| Total loans | 99,160,000 | 104,227,000 | 106,930,000 | 111,657,000 |
| Allowance for loan losses | 3,141,000 | 3,285,000 | 3,300,000 | 3,531,000 |
| Securities available for sale | 60,827,000 | 58,864,000 | 50,672,000 | 49,339,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,390,000 | 146,585,000 | 140,969,000 | 154,958,000 |
| Interest-bearing deposits | 124,769,000 | 125,925,000 | 118,574,000 | 130,275,000 |
| Noninterest-bearing deposits | 21,621,000 | 20,660,000 | 22,395,000 | 24,683,000 |
| Equity capital | 27,579,000 | 27,719,000 | 28,199,000 | 28,868,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,094,000 | 4,378,000 | 6,727,000 | 9,319,000 |
| Interest expense | 575,000 | 1,246,000 | 1,999,000 | 2,850,000 |
| Net interest income | 1,519,000 | 3,132,000 | 4,728,000 | 6,469,000 |
| Noninterest income | 217,000 | 443,000 | 694,000 | 917,000 |
| Noninterest expense | 881,000 | 1,781,000 | 2,656,000 | 3,405,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 855,000 | 1,794,000 | 2,766,000 | 3,981,000 |
| Income tax | 2,000 | 3,000 | 3,000 | 2,000 |
| Net income | 853,000 | 1,791,000 | 2,763,000 | 3,979,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,523,000 | 27,702,000 | 28,297,000 | 29,038,000 |
| Total capital | 28,804,000 | 29,036,000 | 29,644,000 | 30,469,000 |
| Risk-weighted assets | 100,653,000 | 104,781,000 | 105,787,000 | 112,352,000 |