Call reports 2013
NORTHERN STATE BANK OF THIEF RIVER FALLS — 2013
What NORTHERN STATE BANK OF THIEF RIVER FALLS reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 294,679,000 | 274,091,000 | 279,801,000 | 292,314,000 |
| Total loans | 102,467,000 | 108,458,000 | 112,086,000 | 112,456,000 |
| Allowance for loan losses | 2,481,000 | 2,541,000 | 2,552,000 | 2,654,000 |
| Securities available for sale | 33,039,000 | 32,733,000 | 29,727,000 | 25,897,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 261,532,000 | 237,610,000 | 242,519,000 | 256,857,000 |
| Interest-bearing deposits | 221,575,000 | 202,627,000 | 203,333,000 | 211,024,000 |
| Noninterest-bearing deposits | 39,957,000 | 34,983,000 | 39,186,000 | 45,833,000 |
| Equity capital | 28,654,000 | 28,968,000 | 29,182,000 | 29,481,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,559,000 | 3,099,000 | 4,676,000 | 6,284,000 |
| Interest expense | 242,000 | 479,000 | 708,000 | 938,000 |
| Net interest income | 1,317,000 | 2,620,000 | 3,968,000 | 5,346,000 |
| Noninterest income | 140,000 | 468,000 | 585,000 | 766,000 |
| Noninterest expense | 1,334,000 | 2,250,000 | 3,032,000 | 4,116,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 123,000 | 838,000 | 1,709,000 | 2,176,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 2,000 |
| Net income | 121,000 | 836,000 | 1,707,000 | 2,174,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,284,000 | 28,543,000 | 29,187,000 | 29,426,000 |
| Total capital | 29,724,000 | 30,042,000 | 30,607,000 | 30,815,000 |
| Risk-weighted assets | 114,153,000 | 118,911,000 | 112,493,000 | 109,833,000 |