Call reports 2014
NORTHERN STATE BANK OF THIEF RIVER FALLS — 2014
What NORTHERN STATE BANK OF THIEF RIVER FALLS reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 288,991,000 | 292,737,000 | 295,730,000 | 296,206,000 |
| Total loans | 103,052,000 | 107,709,000 | 112,274,000 | 116,190,000 |
| Allowance for loan losses | 2,674,000 | 2,693,000 | 2,703,000 | 2,730,000 |
| Securities available for sale | 37,367,000 | 41,044,000 | 42,179,000 | 46,156,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 254,038,000 | 259,532,000 | 262,577,000 | 263,588,000 |
| Interest-bearing deposits | 216,337,000 | 217,204,000 | 221,383,000 | 226,257,000 |
| Noninterest-bearing deposits | 37,701,000 | 42,328,000 | 41,194,000 | 37,331,000 |
| Equity capital | 28,527,000 | 28,642,000 | 28,993,000 | 29,440,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,455,000 | 2,994,000 | 4,580,000 | 6,243,000 |
| Interest expense | 194,000 | 407,000 | 620,000 | 831,000 |
| Net interest income | 1,261,000 | 2,587,000 | 3,960,000 | 5,412,000 |
| Noninterest income | 208,000 | 407,000 | 618,000 | 779,000 |
| Noninterest expense | 1,102,000 | 2,103,000 | 3,082,000 | 4,062,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 367,000 | 891,000 | 1,496,000 | 2,129,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 2,000 |
| Net income | 365,000 | 889,000 | 1,494,000 | 2,127,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,527,000 | 28,594,000 | 28,972,000 | 29,376,000 |
| Total capital | 29,808,000 | 29,911,000 | 30,351,000 | 30,797,000 |
| Risk-weighted assets | 101,067,000 | 103,969,000 | 108,960,000 | 112,336,000 |