Call reports 2022
NORTHERN STATE BANK OF THIEF RIVER FALLS — 2022
What NORTHERN STATE BANK OF THIEF RIVER FALLS reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 459,335,000 | 461,631,000 | 445,582,000 | 452,216,000 |
| Total loans | 141,168,000 | 152,411,000 | 160,072,000 | 171,062,000 |
| Allowance for loan losses | 2,427,000 | 2,493,000 | 2,525,000 | 2,556,000 |
| Securities available for sale | 51,718,000 | 50,773,000 | 50,006,000 | 50,147,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 423,396,000 | 426,544,000 | 409,592,000 | 414,460,000 |
| Interest-bearing deposits | 359,760,000 | 363,289,000 | 340,032,000 | 353,362,000 |
| Noninterest-bearing deposits | 63,636,000 | 63,255,000 | 69,560,000 | 61,098,000 |
| Equity capital | 34,490,000 | 34,499,000 | 35,240,000 | 37,449,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 2,300,000 | 4,352,000 | 7,496,000 | 11,759,000 |
| Interest expense | 228,000 | 500,000 | 956,000 | 1,969,000 |
| Net interest income | 2,072,000 | 3,852,000 | 6,540,000 | 9,790,000 |
| Noninterest income | 284,000 | 545,000 | 812,000 | 1,098,000 |
| Noninterest expense | 1,518,000 | 3,129,000 | 4,689,000 | 6,217,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 838,000 | 1,268,000 | 2,663,000 | 4,671,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 2,000 |
| Net income | 836,000 | 1,266,000 | 2,661,000 | 4,669,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,125,000 | 36,553,000 | 37,950,000 | 39,958,000 |
| Total capital | 37,785,000 | 38,324,000 | 39,785,000 | 41,929,000 |
| Risk-weighted assets | 132,096,000 | 140,964,000 | 146,115,000 | 157,162,000 |