Call reports 2006
NORTHERN STATE BANK OF THIEF RIVER FALLS — 2006
What NORTHERN STATE BANK OF THIEF RIVER FALLS reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 182,288,000 | 177,316,000 | 179,396,000 | 188,853,000 |
| Total loans | 106,490,000 | 113,690,000 | 116,782,000 | 113,434,000 |
| Allowance for loan losses | 3,543,000 | 3,532,000 | 3,537,000 | 3,598,000 |
| Securities available for sale | 48,723,000 | 48,698,000 | 46,896,000 | 55,817,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 152,882,000 | 147,608,000 | 147,943,000 | 156,552,000 |
| Interest-bearing deposits | 131,361,000 | 125,863,000 | 128,875,000 | 133,249,000 |
| Noninterest-bearing deposits | 21,521,000 | 21,745,000 | 19,068,000 | 23,303,000 |
| Equity capital | 27,815,000 | 27,939,000 | 28,786,000 | 29,703,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,641,000 | 5,362,000 | 8,262,000 | 11,350,000 |
| Interest expense | 962,000 | 2,022,000 | 3,182,000 | 4,437,000 |
| Net interest income | 1,679,000 | 3,340,000 | 5,080,000 | 6,913,000 |
| Noninterest income | 196,000 | 419,000 | 675,000 | 878,000 |
| Noninterest expense | 890,000 | 1,878,000 | 2,759,000 | 3,561,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 994,000 | 1,890,000 | 3,005,000 | 4,238,000 |
| Income tax | 1,000 | 1,000 | 2,000 | 2,000 |
| Net income | 993,000 | 1,889,000 | 3,003,000 | 4,236,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,010,000 | 28,148,000 | 28,909,000 | 29,762,000 |
| Total capital | 29,383,000 | 29,585,000 | 30,375,000 | 31,220,000 |
| Risk-weighted assets | 107,699,000 | 112,875,000 | 115,189,000 | 114,521,000 |