Call reports 2009
NORTHERN STATE BANK OF THIEF RIVER FALLS — 2009
What NORTHERN STATE BANK OF THIEF RIVER FALLS reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 221,060,000 | 219,301,000 | 223,112,000 | 226,898,000 |
| Total loans | 101,567,000 | 102,355,000 | 103,582,000 | 106,747,000 |
| Allowance for loan losses | 2,490,000 | 2,045,000 | 2,093,000 | 2,126,000 |
| Securities available for sale | 58,607,000 | 45,911,000 | 45,576,000 | 35,517,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 189,205,000 | 188,538,000 | 191,605,000 | 194,478,000 |
| Interest-bearing deposits | 163,997,000 | 160,570,000 | 165,490,000 | 163,671,000 |
| Noninterest-bearing deposits | 25,208,000 | 27,967,000 | 26,115,000 | 30,807,000 |
| Equity capital | 29,079,000 | 28,864,000 | 29,269,000 | 29,759,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,353,000 | 4,336,000 | 6,488,000 | 8,599,000 |
| Interest expense | 636,000 | 1,224,000 | 1,807,000 | 2,355,000 |
| Net interest income | 1,717,000 | 3,112,000 | 4,681,000 | 6,244,000 |
| Noninterest income | 185,000 | 404,000 | 637,000 | 849,000 |
| Noninterest expense | 969,000 | 1,911,000 | 2,981,000 | 3,965,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 933,000 | 1,605,000 | 2,337,000 | 3,405,000 |
| Income tax | 1,000 | 1,000 | 2,000 | 2,000 |
| Net income | 932,000 | 1,604,000 | 2,335,000 | 3,403,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,440,000 | 28,353,000 | 28,704,000 | 29,491,000 |
| Total capital | 29,731,000 | 29,627,000 | 29,996,000 | 30,799,000 |
| Risk-weighted assets | 102,104,000 | 101,111,000 | 102,532,000 | 103,859,000 |