Call reports 2007
NORTHERN STATE BANK OF THIEF RIVER FALLS — 2007
What NORTHERN STATE BANK OF THIEF RIVER FALLS reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 189,994,000 | 191,768,000 | 184,420,000 | 201,088,000 |
| Total loans | 110,513,000 | 111,710,000 | 111,201,000 | 105,368,000 |
| Allowance for loan losses | 3,610,000 | 3,636,000 | 3,638,000 | 3,632,000 |
| Securities available for sale | 63,431,000 | 60,653,000 | 60,946,000 | 58,884,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,619,000 | 160,236,000 | 151,882,000 | 168,907,000 |
| Interest-bearing deposits | 140,559,000 | 137,487,000 | 130,895,000 | 140,168,000 |
| Noninterest-bearing deposits | 19,060,000 | 22,749,000 | 20,987,000 | 28,739,000 |
| Equity capital | 28,229,000 | 28,374,000 | 29,241,000 | 30,085,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,045,000 | 6,109,000 | 9,205,000 | 12,316,000 |
| Interest expense | 1,289,000 | 2,639,000 | 4,021,000 | 5,346,000 |
| Net interest income | 1,756,000 | 3,470,000 | 5,184,000 | 6,970,000 |
| Noninterest income | 202,000 | 410,000 | 647,000 | 866,000 |
| Noninterest expense | 977,000 | 1,906,000 | 2,820,000 | 3,655,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 981,000 | 1,974,000 | 3,011,000 | 4,181,000 |
| Income tax | 0 | 1,000 | 2,000 | 2,000 |
| Net income | 981,000 | 1,973,000 | 3,009,000 | 4,179,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,213,000 | 28,446,000 | 29,103,000 | 29,893,000 |
| Total capital | 29,649,000 | 29,913,000 | 30,546,000 | 31,316,000 |
| Risk-weighted assets | 112,739,000 | 115,201,000 | 113,263,000 | 111,624,000 |