Call reports 2016
NORTHERN STATE BANK OF THIEF RIVER FALLS — 2016
What NORTHERN STATE BANK OF THIEF RIVER FALLS reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 295,269,000 | 305,928,000 | 274,969,000 | 288,979,000 |
| Total loans | 117,902,000 | 125,493,000 | 128,078,000 | 125,567,000 |
| Allowance for loan losses | 3,003,000 | 2,886,000 | 2,888,000 | 2,764,000 |
| Securities available for sale | 51,922,000 | 52,749,000 | 51,897,000 | 67,910,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 260,177,000 | 271,805,000 | 239,294,000 | 252,365,000 |
| Interest-bearing deposits | 208,103,000 | 218,432,000 | 200,339,000 | 209,279,000 |
| Noninterest-bearing deposits | 52,074,000 | 53,373,000 | 38,955,000 | 43,086,000 |
| Equity capital | 30,477,000 | 30,646,000 | 31,089,000 | 31,245,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,693,000 | 3,407,000 | 5,194,000 | 6,973,000 |
| Interest expense | 203,000 | 401,000 | 599,000 | 796,000 |
| Net interest income | 1,490,000 | 3,006,000 | 4,595,000 | 6,177,000 |
| Noninterest income | 183,000 | 375,000 | 646,000 | 868,000 |
| Noninterest expense | 998,000 | 1,995,000 | 3,046,000 | 4,217,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 675,000 | 1,386,000 | 2,195,000 | 2,828,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 2,000 |
| Net income | 673,000 | 1,384,000 | 2,193,000 | 2,826,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,287,000 | 30,411,000 | 30,926,000 | 31,266,000 |
| Total capital | 31,769,000 | 32,011,000 | 32,531,000 | 32,873,000 |
| Risk-weighted assets | 117,093,000 | 126,757,000 | 127,195,000 | 127,452,000 |