Call reports 2012
NORTHERN STATE BANK OF THIEF RIVER FALLS — 2012
What NORTHERN STATE BANK OF THIEF RIVER FALLS reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 265,310,000 | 264,741,000 | 272,729,000 | 282,255,000 |
| Total loans | 103,304,000 | 114,168,000 | 114,625,000 | 115,535,000 |
| Allowance for loan losses | 2,302,000 | 2,195,000 | 2,210,000 | 2,459,000 |
| Securities available for sale | 28,980,000 | 23,526,000 | 23,518,000 | 31,320,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 228,408,000 | 229,738,000 | 237,212,000 | 245,640,000 |
| Interest-bearing deposits | 193,158,000 | 196,180,000 | 199,613,000 | 201,980,000 |
| Noninterest-bearing deposits | 35,250,000 | 33,558,000 | 37,599,000 | 43,660,000 |
| Equity capital | 28,535,000 | 28,617,000 | 29,188,000 | 29,882,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,601,000 | 3,229,000 | 4,935,000 | 6,657,000 |
| Interest expense | 305,000 | 591,000 | 856,000 | 1,114,000 |
| Net interest income | 1,296,000 | 2,638,000 | 4,079,000 | 5,543,000 |
| Noninterest income | 184,000 | 385,000 | 587,000 | 794,000 |
| Noninterest expense | 952,000 | 1,905,000 | 2,943,000 | 3,916,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 528,000 | 1,118,000 | 1,723,000 | 2,421,000 |
| Income tax | 1,000 | 1,000 | 2,000 | 2,000 |
| Net income | 527,000 | 1,117,000 | 1,721,000 | 2,419,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,447,000 | 28,581,000 | 28,958,000 | 29,428,000 |
| Total capital | 29,689,000 | 30,255,000 | 30,413,000 | 31,005,000 |
| Risk-weighted assets | 98,287,000 | 133,414,000 | 115,669,000 | 125,313,000 |