Call reports 2010
NORTHERN STATE BANK OF THIEF RIVER FALLS — 2010
What NORTHERN STATE BANK OF THIEF RIVER FALLS reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 223,195,000 | 232,858,000 | 226,528,000 | 241,608,000 |
| Total loans | 100,370,000 | 105,783,000 | 104,516,000 | 107,140,000 |
| Allowance for loan losses | 2,133,000 | 1,867,000 | 1,848,000 | 1,621,000 |
| Securities available for sale | 33,987,000 | 28,606,000 | 28,396,000 | 21,072,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 189,081,000 | 197,572,000 | 190,448,000 | 205,831,000 |
| Interest-bearing deposits | 161,527,000 | 171,013,000 | 164,436,000 | 174,761,000 |
| Noninterest-bearing deposits | 27,554,000 | 26,559,000 | 26,012,000 | 31,070,000 |
| Equity capital | 30,389,000 | 29,094,000 | 29,585,000 | 28,265,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,944,000 | 3,867,000 | 5,820,000 | 7,545,000 |
| Interest expense | 480,000 | 942,000 | 1,396,000 | 1,832,000 |
| Net interest income | 1,464,000 | 2,925,000 | 4,424,000 | 5,713,000 |
| Noninterest income | 195,000 | 407,000 | 539,000 | 542,000 |
| Noninterest expense | 931,000 | 2,113,000 | 3,062,000 | 3,946,000 |
| Provision for loan losses | 0 | 0 | 0 | 1,352,000 |
| Pretax income | 728,000 | 1,219,000 | 1,901,000 | 957,000 |
| Income tax | 0 | 2,000 | 2,000 | 2,000 |
| Net income | 728,000 | 1,217,000 | 1,899,000 | 955,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,219,000 | 28,873,000 | 29,271,000 | 28,042,000 |
| Total capital | 31,453,000 | 30,166,000 | 30,548,000 | 29,317,000 |
| Risk-weighted assets | 97,793,000 | 102,855,000 | 101,557,000 | 101,620,000 |