Call reports 2015
NORTHERN STATE BANK OF THIEF RIVER FALLS — 2015
What NORTHERN STATE BANK OF THIEF RIVER FALLS reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 294,575,000 | 299,795,000 | 288,612,000 | 296,390,000 |
| Total loans | 110,913,000 | 120,096,000 | 122,719,000 | 124,768,000 |
| Allowance for loan losses | 2,745,000 | 2,733,000 | 2,718,000 | 3,008,000 |
| Securities available for sale | 47,058,000 | 52,452,000 | 52,373,000 | 51,980,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 260,874,000 | 266,033,000 | 254,445,000 | 259,544,000 |
| Interest-bearing deposits | 214,205,000 | 225,337,000 | 218,427,000 | 206,473,000 |
| Noninterest-bearing deposits | 46,669,000 | 40,696,000 | 36,018,000 | 53,071,000 |
| Equity capital | 30,241,000 | 29,734,000 | 30,253,000 | 30,561,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,544,000 | 3,138,000 | 4,793,000 | 6,565,000 |
| Interest expense | 204,000 | 409,000 | 614,000 | 816,000 |
| Net interest income | 1,340,000 | 2,729,000 | 4,179,000 | 5,749,000 |
| Noninterest income | 213,000 | 507,000 | 712,000 | 863,000 |
| Noninterest expense | 1,015,000 | 2,052,000 | 2,981,000 | 3,955,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 538,000 | 1,184,000 | 1,910,000 | 2,657,000 |
| Income tax | 0 | 0 | 0 | 2,000 |
| Net income | 538,000 | 1,184,000 | 1,910,000 | 2,655,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,914,000 | 29,497,000 | 29,996,000 | 30,513,000 |
| Total capital | 31,275,000 | 31,002,000 | 31,533,000 | 32,103,000 |
| Risk-weighted assets | 107,513,000 | 119,242,000 | 121,799,000 | 125,860,000 |