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SEC Filings
All companies that sell securities in the United States must register with the Securities and Exchange Commission (SEC) and file reports on a regular basis.
These reports include company annual reports (10K, 10Q), news updates (8K), investor presentations (found in 8Ks), insider trades (form 4), ownership reports (13D, and 13G), and reports related to the specific securities sold, such as registration statements and prospectus. This page shows recent SEC filings related to Northern States Financial Corp.
SEC Filings (Chronological Order)
Halaman ini menyediakan daftar lengkap dan kronologis dari Pengajuan SEC, tidak termasuk pengajuan kepemilikan yang kami sediakan di tempat lain.
| April 23, 2013 |
- NORTHERN STATES FINANCIAL CORP DEF 14A 5-23-2013 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant x Filed by a Party other than the Registrant o Check the appropriate box: o Preliminary Proxy Statement o Confidential, For Use of |
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| March 28, 2013 |
Financial Statements and Exhibits, Other Events UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): March 28, 2013 NORTHERN STATES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) 000-19300 (Commission File Number) Delaware 36-3449727 (State or other Juri |
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| March 28, 2013 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 15 CERTIFICATION AND NOTICE OF TERMINATION OF REGISTRATION UNDER SECTION 12(g) OF THE SECURITIES EXCHANGE ACT OF 1934 OR SUSPENSION OF DUTY TO FILE REPORTS UNDER SECTION 13 AND 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934. Commission File Number: 000-19300 NORTHERN STATES FINANCIAL CORPORATION (Exact name of registrant as |
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| March 28, 2013 |
NORTHERN STATES FINANCIAL CORPORATION EXHIBIT 99.1 NORTHERN STATES FINANCIAL CORPORATION For further information contact: Scott M. Yelvington, President and CEO Northern States Financial Corporation 847-244-6000 FOR IMMEDIATE RELEASE Northern States Financial Corporation to Deregister Common Stock with the SEC Waukegan, IL, March 28, 2013 – Northern States Financial Corporation (OTC Markets: NSFC) (the “Company”) announced today that |
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| March 11, 2013 |
Annual Report - NORTHERN STATES FINANCIAL CORP 10-K 12-31-2012 10-K 1 form10k.htm NORTHERN STATES FINANCIAL CORP 10-K 12-31-2012 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K x ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2012 OR o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period f |
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| March 11, 2013 |
NORTHERN STATES FINANCIAL CORPORATION CODE OF ETHICS NORTHERN STATES FINANCIAL CORPORATION AND EX-14 2 ex14.htm EXHIBIT 14 EXHIBIT 14 NORTHERN STATES FINANCIAL CORPORATION CODE OF ETHICS NORTHERN STATES FINANCIAL CORPORATION AND SUBSIDIARIES Your Personal & Business Conduct Policy BUSINESS CONDUCT – GENERAL To ensure orderly operations and provide the best possible work environment, Northern States Financial Corporation expects employees to follow rules of conduct that will protect the inte |
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| March 11, 2013 |
EX-99.1 7 ex991.htm EXHIBIT 99.1 EXHIBIT 99.1 TARP Principal Executive Officer Certification I, Scott Yelvington, certify, based on my knowledge, that: 1. The compensation committee of Northern States Financial Corporation (the “Company”) has discussed, reviewed, and evaluated with the senior risk officer every six months during the most recently completed fiscal year that was a TARP period (the a |
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| March 11, 2013 |
EX-99.2 8 ex992.htm EXHIBIT 99.2 EXHIBIT 99.2 TARP Principal Financial Officer Certification I, Steven Neudecker, certify, based on my knowledge, that: 1. The compensation committee of Northern States Financial Corporation (the “Company”) has discussed, reviewed, and evaluated with the senior risk officer every six months during the most recently completed fiscal year that was a TARP period (the a |
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| March 11, 2013 |
EX-21 3 ex21.htm EXHIBIT 21 EXHIBIT 21 SUBSIDIARIES OF NORTHERN STATES FINANCIAL CORPORATION NorStates Bank 1601 N. Lewis Avenue Waukegan, Illinois 60085 State of Organization - Illinois A Wholly-Owned Subsidiary of Northern States Financial Corporation NorProperties, Inc. 1601 N. Lewis Avenue Waukegan, Illinois 60085 State of Organization - Illinois A Wholly-Owned Subsidiary of Northern States Fi |
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| March 8, 2013 |
- POST-EFFECTIVE AMENDMENT TO FORM S-8 As filed with the Securities and Exchange Commission on March 7, 2013 Registration No. |
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| January 18, 2013 |
NSFC / Northern States Financial Corp. / Bertrand Theodore - SCHEDULE 13G/A Passive Investment UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 13G (Rule 13d-102) Information to be included in Statements filed Pursuant to Rule 13d-1(b), (c) and (d) and Amendments Thereto Filed Pursuant to Rule 13d-2 Under the Securities Exchange Act of 1934 (Amendment No. 2)* Northern States Financial Corporation (Name of Issuer) Common Stock (Title of Class of Securities) 66 |
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| December 21, 2012 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): December 18, 2012 NORTHERN STATES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) 000-19300 (Commission File Number) Delaware 36-3449727 (State or other J |
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| December 21, 2012 |
NORTHERN STATES FINANCIAL CORPORATION APPOINTS P. DAVID KUHL TO BOARD OF DIRECTORS EXHIBIT 99.1 Northern States Financial Corporation 1601 North Lewis Avenue P.O.Box 39 Waukegan, Illinois 60079-0039 847-244-6000 December 21, 2012 NORTHERN STATES FINANCIAL CORPORATION APPOINTS P. DAVID KUHL TO BOARD OF DIRECTORS WAUKEGAN, IL, December 21, 2012 – Northern States Financial Corporation (OTC: NSFC), holding company for NorStates Bank, a FDIC-insured financial institution, today annou |
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| November 8, 2012 |
EXHIBIT 15.1 Independent Registered Public Accounting Firm’s Acknowledgement Letter To Board of Directors and Stockholders Northern States Financial Corporation We are aware of the incorporation by reference in Registration Statement (Form S-8: No. 333-170065) of our report dated November 6, 2012 related to the unaudited condensed consolidated interim financial statements of Northern States Financ |
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| November 8, 2012 |
Quarterly Report - NORTHERN STATES FINANCIAL CORPORATION 10-Q 9-30-2012 form10q.htm United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2012 OR o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 000 - 19300 NOR |
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| August 3, 2012 |
Quarterly Report - NORTHERN STATES FINANCIAL CORPORATION 10-Q 6-30-2012 United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2012 OR o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 000 - 19300 NORTHERN STATES FINA |
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| August 3, 2012 |
EXHIBIT 15.1 Independent Registered Public Accounting Firm’s Acknowledgement Letter To Board of Directors and Stockholders Northern States Financial Corporation We are aware of the incorporation by reference in Registration Statement (Form S-8: No. 333-170065) of our report dated August 1, 2012 related to the unaudited condensed consolidated interim financial statements of Northern States Financia |
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| May 18, 2012 |
Submission of Matters to a Vote of Security Holders - FORM 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): May 17, 2012 NORTHERN STATES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) 000-19300 (Commission File Number) Delaware 36-3449727 (State or other Jurisd |
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| May 2, 2012 |
Quarterly Report - NORTHERN STATES FINANCIAL CORP 10-Q 3-31-2012 United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2012 OR o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 000 - 19300 NORTHERN STATES FIN |
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| May 2, 2012 |
EXHIBIT 15.1 Independent Registered Public Accounting Firm’s Acknowledgement Letter To Board of Directors and Stockholders Northern States Financial Corporation We are aware of the incorporation by reference in Registration Statement (Form S-8: No. 333-170065) of our report dated May 1, 2012 related to the unaudited condensed consolidated interim financial statements of Northern States Financial C |
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| April 17, 2012 |
- NORTHERN STATES FINANCIAL CORP DEF 14A 5-17-2012 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant x Filed by a Party other than the Registrant o Check the appropriate box: o Preliminary Proxy Statement o Confidential, For Use of |
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| February 29, 2012 |
Annual Report - NORTHERN STATES FINANCIAL CORPORATION 10-K 12-31-2011 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K T ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2011 OR £ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 000 - 19300 NORTHERN STATES FINANCIA |
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| February 29, 2012 |
EX-99.2 9 ex992.htm EXHIBIT 99.2 EXHIBIT 99.2 TARP Principal Financial Officer Certification I, Steven Neudecker, certify, based on my knowledge, that: 1. The compensation committee of Northern States Financial Corporation (the “Company”) has discussed, reviewed, and evaluated with the senior risk officer every six months during the most recently completed fiscal year that was a TARP period (the a |
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| February 29, 2012 |
EX-99.1 8 ex991.htm EXHIBIT 99.1 EXHIBIT 99.1 TARP Principal Executive Officer Certification I, Scott Yelvington, certify, based on my knowledge, that: 1. The compensation committee of Northern States Financial Corporation (the “Company”) has discussed, reviewed, and evaluated with the senior risk officer every six months during the most recently completed fiscal year that was a TARP period (the a |
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| February 29, 2012 |
NORTHERN STATES FINANCIAL CORPORATION CODE OF ETHICS NORTHERN STATES FINANCIAL CORPORATION AND EX-14 2 ex14.htm EXHIBIT 14 EXHIBIT 14 NORTHERN STATES FINANCIAL CORPORATION CODE OF ETHICS NORTHERN STATES FINANCIAL CORPORATION AND SUBSIDIARIES Your Personal & Business Conduct Policy BUSINESS CONDUCT – GENERAL To ensure orderly operations and provide the best possible work environment, Northern States Financial Corporation expects employees to follow rules of conduct that will protect the inte |
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| February 29, 2012 |
EX-21 3 ex21.htm EXHIBIT 21 EXHIBIT 21 SUBSIDIARIES OF NORTHERN STATES FINANCIAL CORPORATION NorStates Bank 1601 N. Lewis Avenue Waukegan, Illinois 60085 State of Organization - Illinois A Wholly-Owned Subsidiary of Northern States Financial Corporation NorProperties, Inc. 1601 N. Lewis Avenue Waukegan, Illinois 60085 State of Organization - Illinois A Wholly-Owned Subsidiary of Northern States Fi |
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| February 17, 2012 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): February 17, 2012 NORTHERN STATES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) 000-19300 (Commission File Number) Delaware 36-3449727 (State or other J |
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| February 17, 2012 |
OMB APPROVAL OMB Number:3235-0080 Expires:December 31, 2014 Estimated average burden hours per response. |
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| February 14, 2012 |
NSFC / Northern States Financial Corp. / ABDULA FRED - SCHEDULE 13G/A Passive Investment UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 13G (Rule 13d-102) Information to be included in Statements filed Pursuant to Rule 13d-1(b), (c) and (d) and Amendments Thereto Filed Pursuant to Rule 13d-2 Under the Securities Exchange Act of 1934 (Amendment No. 1)* Northern States Financial Corporation (Name of Issuer) Common Stock (Title of Class of Securities) 66 |
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| February 7, 2012 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): February 2, 2012 NORTHERN STATES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) 000-19300 (Commission File Number) Delaware 36-3449727 (State or other Ju |
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| February 7, 2012 |
EXHIBIT 99.1 Northern States Financial Corporation 1601 North Lewis Avenue P.O. Box 39 Waukegan, Illinois 60079-0039 847-244-6000 FOR IMMEDIATE RELEASE Northern States Financial Corporation to Voluntarily Delist from NASDAQ; Common Stock Expected to be Traded in the Over-the-Counter Market WAUKEGAN, IL, February 7, 2012 – Northern States Financial Corporation (NASDAQ: NSFC) (the “Company”), holdin |
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| February 6, 2012 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 13G (Rule 13d-102) Information to be included in Statements filed Pursuant to Rule 13d-1(b), (c) and (d) and Amendments Thereto Filed Pursuant to Rule 13d-2 Under the Securities Exchange Act of 1934 (Amendment No. 1)* Northern States Financial Corporation (Name of Issuer) Common Stock (Title of Class of Securities) 66 |
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| January 10, 2012 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): January 9, 2012 NORTHERN STATES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) 000-19300 (Commission File Number) Delaware 36-3449727 (State or other Jur |
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| December 21, 2011 |
EX-99.1 2 ex99-1.htm PRESS RELEASE DATED DECEMBER 21, 2011 EXHIBIT 99.1 Northern States Financial Corporation 1601 North Lewis Avenue P.O.Box 39 Waukegan, Illinois 60079-0039 847-244-6000 December 21, 2011 Retirement of Fred Abdula as Director and Chairman Emeritus of Northern States Financial Corporation and NorStates Bank WAUKEGAN, IL, December 21, 2011 – Northern States Financial Corporation (N |
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| December 21, 2011 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): December 20, 2011 NORTHERN STATES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) 000-19300 (Commission File Number) Delaware 36-3449727 (State or other J |
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| November 4, 2011 |
United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2011 OR o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 000 - 19300 NORTHERN STATES |
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| November 4, 2011 |
EXHIBIT 15.1 Independent Registered Public Accounting Firm’s Acknowledgement Letter To Board of Directors and Stockholders Northern States Financial Corporation We are aware of the incorporation by reference in Registration Statement (Form S-8: No. 333-170065) of our report dated November 1, 2011 related to the unaudited condensed consolidated interim financial statements of Northern States Financ |
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| August 10, 2011 |
EXHIBIT 99.1 [NSFC LETTERHEAD] TO: Executive Officers and Directors of Northern States Financial Corporation FROM: Scott Yelvington, President and CEO DATE: August 10, 2011 RE: Notice of Termination of Previously Announced Blackout Period and Suspension of Trading by Directors and Executive Officers of Northern States Financial Corporation As a director and/or executive officer of Northern States |
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| August 10, 2011 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): August 10, 2011 NORTHERN STATES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) 000-19300 (Commission File Number) Delaware 36-3449727 (State or other Jur |
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| August 5, 2011 |
EXHIBIT 15.1 Independent Registered Public Accounting Firm’s Acknowledgement Letter To Board of Directors and Stockholders Northern States Financial Corporation We are aware of the incorporation by reference in Registration Statement (Form S-8: No. 333-170065) of our report dated July 29, 2011 related to the unaudited condensed consolidated interim financial statements of Northern States Financial |
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| August 5, 2011 |
United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2011 OR o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 000 - 19300 NORTHERN STATES FINA |
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| June 7, 2011 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): June 1, 2011 NORTHERN STATES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) 000-19300 (Commission File Number) Delaware 36-3449727 (State or other Jurisd |
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| June 7, 2011 |
[NORTHERN STATES FINANCIAL CORPORATION LETTERHEAD] EXHIBIT 99.1 [NORTHERN STATES FINANCIAL CORPORATION LETTERHEAD] TO: Executive Officers and Directors of Northern States Financial Corporation FROM: Scott Yelvington, President and CEO DATE: June 7, 2011 RE: Notice of Trading Blackout Period for Directors and Executive Officers As you may know, Northern States Financial Corporation (the “Company”) will be making certain changes under the Northern S |
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| May 23, 2011 |
Submission of Matters to a Vote of Security Holders UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): May 19, 2011 NORTHERN STATES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) 000-19300 (Commission File Number) Delaware 36-3449727 (State or other Jurisd |
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| May 2, 2011 |
United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2011 OR o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 000 - 19300 NORTHERN STATES FIN |
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| May 2, 2011 |
EXHIBIT 15.1 Independent Registered Public Accounting Firm’s Acknowledgement Letter To Board of Directors and Stockholders Northern States Financial Corporation We are aware of the incorporation by reference in Registration Statement (Form S-8: No. 333-170065) of our report dated April 29, 2011 related to the unaudited consolidated interim financial statements of Northern States Financial Corporat |
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| April 19, 2011 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant x Filed by a Party other than the Registrant o Check the appropriate box: o Preliminary Proxy Statement o Confidential, For Use of |
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| March 28, 2011 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 13G (Rule 13d-102) Information to be included in Statements filed Pursuant to Rule 13d-1(b), (c) and (d) and Amendments Thereto Filed Pursuant to Rule 13d-2 Under the Securities Exchange Act of 1934 (Amendment No. )* Northern States Financial Corporation (Name of Issuer) Common Stock (Title of Class of Securities) 665 |
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| March 2, 2011 |
NORTHERN STATES FINANCIAL CORPORATION CODE OF ETHICS NORTHERN STATES FINANCIAL CORPORATION AND EXHIBIT 14 NORTHERN STATES FINANCIAL CORPORATION CODE OF ETHICS NORTHERN STATES FINANCIAL CORPORATION AND SUBSIDIARIES Your Personal & Business Conduct Policy BUSINESS CONDUCT – GENERAL To ensure orderly operations and provide the best possible work environment, Northern States Financial Corporation expects employees to follow rules of conduct that will protect the interests and safety of all employees and the Corporation. |
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| March 2, 2011 |
EXHIBIT 99.2 TARP Principal Financial Officer Certification I, Steven Neudecker, certify, based on my knowledge, that: 1. The compensation committee of Northern States Financial Corporation (the “Company”) has discussed, reviewed, and evaluated with senior risk officers at least once during any part of the most recently completed fiscal year that was a TARP period (the applicable period), the seni |
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| March 2, 2011 |
FORM OF RESTRICTED STOCK AGREEMENT EXHIBIT 10.9 FORM OF RESTRICTED STOCK AGREEMENT AGREEMENT dated as of the day of , 2011 (this “Agreement”) by and between Northern States Financial Corporation (the “Company” or “NorStates”), and (the “Director”). WHEREAS, NorStates deems it advisable to award to Director restricted shares of common stock of the Company, $0.40 par value, (“Restricted Stock”) on the terms and conditions set forth h |
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| March 2, 2011 |
EXHIBIT 99.1 TARP Principal Executive Officer Certification I, Scott Yelvington, certify, based on my knowledge, that: 1. The compensation committee of Northern States Financial Corporation (the “Company”) has discussed, reviewed, and evaluated with senior risk officers at least once during any part of the most recently completed fiscal year that was a TARP period (the applicable period), the seni |
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| March 2, 2011 |
FORM OF RESTRICTED STOCK AGREEMENT EXHIBIT 10.8 FORM OF RESTRICTED STOCK AGREEMENT AGREEMENT dated as of the day of (this “Agreement”) by and between Northern States Financial Corporation (the “Company” or “NorStates”), and (the “Executive”). WHEREAS, NorStates deems it advisable to award to Executive restricted shares of common stock of the Company, $0.40 par value, (“Restricted Stock”) on the terms and conditions set forth herein |
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| March 2, 2011 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K T ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2010 OR £ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 000 - 19300 NORTHERN STATES FINANCIA |
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| March 2, 2011 |
EXHIBIT 21 SUBSIDIARIES OF NORTHERN STATES FINANCIAL CORPORATION NorStates Bank 1601 N. |
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| February 14, 2011 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 13G (Rule 13d-102) Information to be included in Statements filed Pursuant to Rule 13d-1(b), (c) and (d) and Amendments Thereto Filed Pursuant to Rule 13d-2 Under the Securities Exchange Act of 1934 (Amendment No. )* Northern States Financial Corporation (Name of Issuer) Common Stock (Title of Class of Securities) 665 |
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| January 14, 2011 |
POWER OF ATTORNEY Know all by these presents, that the undersigned hereby constitutes and appoints each of Kerry J. |
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| January 14, 2011 |
POWER OF ATTORNEY Know all by these presents, that the undersigned hereby constitutes and appoints each of Kerry J. |
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| January 14, 2011 |
POWER OF ATTORNEY Know all by these presents, that the undersigned hereby constitutes and appoints each of Thomas M. |
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| January 14, 2011 |
POWER OF ATTORNEY Know all by these presents, that the undersigned hereby constitutes and appoints each of Kerry J. |
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| January 14, 2011 |
POWER OF ATTORNEY Know all by these presents, that the undersigned hereby constitutes and appoints each of Kerry J. |
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| January 14, 2011 |
POWER OF ATTORNEY Know all by these presents, that the undersigned hereby constitutes and appoints each of Kerry J. |
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| January 14, 2011 |
POWER OF ATTORNEY Know all by these presents, that the undersigned hereby constitutes and appoints each of Kerry J. |
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| January 14, 2011 |
POWER OF ATTORNEY Know all by these presents, that the undersigned hereby constitutes and appoints each of Kerry J. |
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| January 14, 2011 |
POWER OF ATTORNEY Know all by these presents, that the undersigned hereby constitutes and appoints each of Kerry J. |
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| January 14, 2011 |
POWER OF ATTORNEY Know all by these presents, that the undersigned hereby constitutes and appoints each of Kerry J. |
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| January 11, 2011 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): January 5, 2011 NORTHERN STATES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) 000-19300 (Commission File Number) Delaware 36-3449727 (State or other Jur |
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| November 4, 2010 |
United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2010 OR o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 000 - 19300 NORTHERN STATES |
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| November 4, 2010 |
EXHIBIT 15.1 Independent Registered Public Accounting Firm’s Acknowledgement Letter To Board of Directors and Stockholders Northern States Financial Corporation We are aware of the incorporation by reference in Registration Statement (Form S-8: No. 333-170065) of our report dated November 4, 2010 related to the unaudited consolidated interim financial statements of Northern States Financial Corpor |
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| October 26, 2010 |
POWER OF ATTORNEY Know all by these presents, that the undersigned hereby constitutes and appoints each of Kerry Biegay, Thomas M. |
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| October 21, 2010 |
EXHIBIT 99.1 2009 RESTRICTED STOCK PLAN NORTHERN STATES FINANCIAL CORPORATION ARTICLE 1 PURPOSE AND EFFECTIVE DATE 1.1 Purpose. The purpose of this 2009 Restricted Stock Plan of Northern States Financial Corporation is to promote the long-term financial success of Northern States Financial Corporation, increasing stockholder value by providing employees and directors the opportunity to acquire an |
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| October 21, 2010 |
As filed with the Securities and Exchange Commission on October 21, 2010 Registration No. |
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| October 21, 2010 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): October 20, 2010 NORTHERN STATES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) 000-19300 (Commission File Number) Delaware 36-3449727 (State or other Ju |
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| October 21, 2010 |
EX-99.1 2 ex991.htm EXHIBIT 99.1 EXHIBIT 99.1 Northern States Financial Corporation 1601 North Lewis Avenue P.O.Box 39 Waukegan, Illinois 60079-0039 847-244-6000 October 21, 2010 NORTHERN STATES FINANCIAL CORPORATION APPOINTS CHARLES WILLIAM SMITH TO BOARD OF DIRECTORS WAUKEGAN, IL, October 21, 2010 – Northern States Financial Corporation (Nasdaq: NSFC), holding company for NorStates Bank, a FDIC- |
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| October 21, 2010 |
POWER OF ATTORNEY Know all by these presents, that the undersigned hereby constitutes and appoints each of Kerry Biegay, Thomas M. |
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| September 27, 2010 |
POWER OF ATTORNEY Know all by these presents, that the undersigned hereby constitutes and appoints each of Kerry Biegay, Thomas M. |
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| September 22, 2010 |
EXHIBIT 99.1 Northern States Financial Corporation 1601 North Lewis Avenue P.O.Box 39 Waukegan, Illinois 60079-0039 847-244-6000 September 22, 2010 NORTHERN STATES FINANCIAL CORPORATION APPOINTS BARBARA J. MARTIN TO BOARD OF DIRECTORS WAUKEGAN, IL, September 22, 2010 – Northern States Financial Corporation (Nasdaq: NSFC), holding company for NorStates Bank, a FDIC-insured financial institution, to |
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| September 22, 2010 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): September 21, 2010 NORTHERN STATES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) 000-19300 (Commission File Number) Delaware 36-3449727 (State or other |
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| September 16, 2010 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): September 10, 2010 NORTHERN STATES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) 000-19300 (Commission File Number) Delaware 36-3449727 (State or other |
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| August 12, 2010 |
United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q/A (Amendment No. 1) ý QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2010 OR ¨ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 000 - 19300 |
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| July 29, 2010 |
United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ý QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2010 OR ¨ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 000 - 19300 NORTHERN STATES FINA |
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| May 25, 2010 |
EXHIBIT 99.1 May 25, 2010 Fred Abdula Retires as Chairman of the Board of Northern States Financial Corporation and NorStates Bank; Allan J. Jacobs, CPA, Named Chairman WAUKEGAN, IL, May 25, 2010 – Northern States Financial Corporation (Nasdaq: NSFC), holding company for NorStates Bank, an FDIC-insured financial institution, today announced that Fred Abdula, the long-time Chairman of the Board of |
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| May 25, 2010 |
Financial Statements and Exhibits, Other Events, Submission of Matters to a Vote of Security Holders UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): May 20, 2010 NORTHERN STATES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) 000-19300 (Commission File Number) Delaware 36-3449727 (State or other Jurisd |
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| May 5, 2010 |
United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ý QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2010 OR ¨ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 000 - 19300 NORTHERN STATES FIN |
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| April 22, 2010 |
Entry into a Material Definitive Agreement, Financial Statements and Exhibits UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K/A (AMENDMENT NO. 2) CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): April 16, 2010 NORTHERN STATES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) 000-19300 (Commission File Number) Delaware 36-3449727 |
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| April 22, 2010 |
EXHIBIT 10.2 FEDERAL DEPOSIT INSURANCE CORPORATION WASHINGTON, D.C. AND STATE OF ILLINOIS DEPARTMENT OF FINANCIAL AND PROFESSIONAL REGULATION DIVISION OF BANKING SPRINGFIELD, ILLINOIS ) In the Matter of ) STIPULATION AND CONSENT ) TO THE ISSUANCE OF A NORSTATES BANK ) CONSENT ORDER WAUKEGAN, ILLINOIS ) ) (Illinois Chartered ) FDIC-10-116b Insured Nonmember Bank) ) DB NO. 2010-DB-33 ) Subject to th |
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| April 22, 2010 |
EXHIBIT 10.1 FEDERAL DEPOSIT INSURANCE CORPORATION WASHINGTON, D.C. AND STATE OF ILLINOIS DEPARTMENT OF FINANCIAL AND PROFESSIONAL REGULATION DIVISION OF BANKING SPRINGFIELD, ILLINOIS ) In the Matter of ) CONSENT ORDER ) NORSTATES BANK ) WAUKEGAN, ILLINOIS ) FDIC-10-116b ) DB NO. 2010-DB-33 (ILLINOIS CHARTERED ) INSURED NONMEMBER BANK) ) ) NorStates Bank, Waukegan, Illinois (“Bank”), having been a |
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| April 20, 2010 |
def14a Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D. |
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| April 6, 2010 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): April 5, 2010 NORTHERN STATES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) 000-19300 (Commission File Number) Delaware 36-3449727 (State or other Juris |
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| March 26, 2010 |
SUBSIDIARIES OF NORTHERN STATES FINANCIAL CORPORATION EXHIBIT 21 SUBSIDIARIES OF NORTHERN STATES FINANCIAL CORPORATION NorStates Bank 1601 N. |
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| March 26, 2010 |
Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K þ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2009 OR o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 000 — 19300 NORTHE |
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| March 26, 2010 |
EXHIBIT 14 NORTHERN STATES FINANCIAL CORPORATION CODE OF ETHICS NORTHERN STATES FINANCIAL CORPORATION AND SUBSIDIARIES BUSINESS CONDUCT – GENERAL To ensure orderly operations and provide the best possible work environment, Northern States Financial Corporation expects employees to follow rules of conduct that will protect the interests and safety of all employees and the Corporation. |
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| March 26, 2010 |
NORTHERN STATES FINANCIAL CORPORATION TARP Principal Executive Officer Certification EXHIBIT 99.1 NORTHERN STATES FINANCIAL CORPORATION TARP Principal Executive Officer Certification I, Scott Yelvington, certify, based on my knowledge, that: (i) The compensation committee of Northern States Financial Corporation (the “Company”) has discussed, reviewed, and evaluated with senior risk officers at least every six months during the period beginning on the later of September 14, 2009, |
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| March 26, 2010 |
NORTHERN STATES FINANCIAL CORPORATION TARP Principal Financial Officer Certification EXHIBIT 99.2 NORTHERN STATES FINANCIAL CORPORATION TARP Principal Financial Officer Certification I, Brett Houston, certify, based on my knowledge, that: (i) The compensation committee of Northern States Financial Corporation (the “Company”) has discussed, reviewed, and evaluated with senior risk officers at least every six months during the period beginning on the later of September 14, 2009, or |
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| March 18, 2010 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K/A (AMENDMENT NO. 1) CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): March 16, 2010 NORTHERN STATES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) 000-19300 (Commission File Number) Delaware 36-3449727 |
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| March 17, 2010 |
EXHIBIT 99.1 NORTHERN STATES FINANCIAL CORPORATION KEY PERFORMANCE DATA ($ 000’s, except per share data) Year ended December 31: 2009 2008 Net Income $ (35,558 ) $ (9,273 ) Basic Earnings Per Share $ (8.94 ) $ (2.26 ) Return on Average Assets -5.55 % -1.43 % Return on Average Equity -53.49 % -13.09 % Yield on Interest Earning Assets 4.91 % 5.74 % Cost of Interest Bearing Liabilities 1.99 % 2.68 % |
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| March 17, 2010 |
Financial Statements and Exhibits, Results of Operations and Financial Condition, Other Events UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K/A (AMENDMENT NO. 1) CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): March 16, 2010 NORTHERN STATES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) 000-19300 (Commission File Number) Delaware 36-3449727 |
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| March 8, 2010 |
EXHIBIT 99.1 Northern States Financial Corporation 1601 North Lewis Avenue P.O. Box 39 Waukegan, Illinois 60079-0039 847-244-6000 Retirement of Fred Abdula as Chief Executive Officer of Northern States Financial Corporation and NorStates Bank WAUKEGAN, IL, March 8, 2010 – Northern States Financial Corporation (Nasdaq: NSFC), holding company for NorStates Bank, an FDIC-insured financial institution |
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| March 8, 2010 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): March 2, 2010 NORTHERN STATES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) 000-19300 (Commission File Number) Delaware 36-3449727 (State or other Juris |
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| February 24, 2010 |
Results of Operations and Financial Condition UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): February 24, 2010 NORTHERN STATES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) 000-19300 (Commission File Number) Delaware 36-3449727 (State or other J |
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| February 24, 2010 |
February 24, 2010 NORTHERN STATES FINANCIAL REPORTS 2009 FINANCIAL RESULTS EXHIBIT 99.1 Northern States Financial Corporation 1601 North Lewis Avenue P.O.Box 39 Waukegan, Illinois 60079-0039 847-244-6000 February 24, 2010 NORTHERN STATES FINANCIAL REPORTS 2009 FINANCIAL RESULTS WAUKEGAN, IL, February 24, 2010 – Northern States Financial Corporation (Nasdaq: NSFC), holding company for NorStates Bank, an FDIC-insured financial institution, reported a net loss for 2009 of $ |
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| February 16, 2010 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): February 10, 2010 NORTHERN STATES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) 000-19300 (Commission File Number) Delaware 36-3449727 (State or other J |
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| January 20, 2010 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): January 19, 2010 NORTHERN STATES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) 000-19300 (Commission File Number) Delaware 36-3449727 (State or other Ju |
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| November 16, 2009 |
United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ý QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2009 OR ¨ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 000 - 19300 NORTHERN STATES |
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| November 10, 2009 |
Results of Operations and Financial Condition, Other Events, Financial Statements and Exhibits UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): November 10, 2009 NORTHERN STATES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) 000-19300 (Commission File Number) Delaware 36-3449727 (State or other J |
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| November 10, 2009 |
NORTHERN STATES FINANCIAL CORPORATION REPORTS THIRD QUARTER RESULTS EXHIBIT 99.1 November 10, 2009 NORTHERN STATES FINANCIAL CORPORATION REPORTS THIRD QUARTER RESULTS WAUKEGAN, IL, November 10, 2009 – Northern States Financial Corporation (Nasdaq: NSFC), holding company for NorStates Bank, an FDIC-insured financial institution, today reported that several factors contributed to a net loss for the third quarter of 2009 of $17,742,000, or $4.42 per share. This compa |
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| August 10, 2009 |
United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ý QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2009 OR ¨ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 000 - 19300 NORTHERN STATES FINA |
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| August 3, 2009 |
August 3, 2009 NORTHERN STATES FINANCIAL CORPORATION REPORTS SECOND QUARTER RESULTS EXHIBIT 99.1 August 3, 2009 NORTHERN STATES FINANCIAL CORPORATION REPORTS SECOND QUARTER RESULTS WAUKEGAN, IL, August 3, 2009 – Northern States Financial Corporation (Nasdaq: NSFC), holding company for NorStates Bank, an FDIC-insured financial institution, today reports that the continuing faltering economy and the weakening of financial markets has resulted in a one-time charge of $9.5 million to |
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| August 3, 2009 |
Results of Operations and Financial Condition UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): August 3, 2009 NORTHERN STATES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) 000-19300 (Commission File Number) Delaware 36-3449727 (State or other Juri |
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| May 8, 2009 |
United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ý QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2009 OR ¨ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 000 - 19300 NORTHERN STATES FIN |
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| May 4, 2009 |
NORTHERN STATES FINANCIAL REPORTS - - REVISED FIRST QUARTER 2009 BOOK VALUE PER SHARE NUMBER EXHIBIT 99.1 Northern States Financial Corporation 1601 North Lewis Avenue P.O. Box 39 Waukegan, Illinois 60079-0039 847-244-6000 May 4, 2009 NORTHERN STATES FINANCIAL REPORTS - - REVISED FIRST QUARTER 2009 BOOK VALUE PER SHARE NUMBER WAUKEGAN, IL, May 4, 2009 – Northern States Financial Corporation (Nasdaq: NSFC), holding company for NorStates Bank, an FDIC insured financial institution, reports |
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| May 4, 2009 |
Results of Operations and Financial Condition UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K/A (AMENDMENT NO. 1) CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): April 30, 2009 NORTHERN STATES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) 000-19300 (Commission File Number) Delaware 36-3449727 |
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| April 30, 2009 |
Results of Operations and Financial Condition UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): April 30, 2009 NORTHERN STATES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) 000-19300 (Commission File Number) Delaware 36-3449727 (State or other Juri |
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| April 30, 2009 |
April 30, 2009 NORTHERN STATES FINANCIAL REPORTS FIRST QUARTER RESULTS EXHIBIT 99.1 Northern States Financial Corporation 1601 North Lewis Avenue P.O.Box 39 Waukegan, Illinois 60079-0039 847-244-6000 April 30, 2009 NORTHERN STATES FINANCIAL REPORTS FIRST QUARTER RESULTS WAUKEGAN, IL, April 30, 2009 – Northern States Financial Corporation (Nasdaq: NSFC), holding company for NorStates Bank, an FDIC insured financial institution, today reported a first quarter 2009 loss |
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| April 23, 2009 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ý Filed by a Party other than the Registrant ¨ Check the appropriate box: ¨ Preliminary Proxy Statement ¨ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ý Defin |
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| April 10, 2009 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ý Filed by a Party other than the Registrant ¨ Check the appropriate box: ý Preliminary Proxy Statement ¨ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ¨ Defin |
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| March 25, 2009 |
NORTHERN STATES FINANCIAL CORPORATION CODE OF ETHICS EXHIBIT 14 NORTHERN STATES FINANCIAL CORPORATION CODE OF ETHICS BUSINESS CONDUCT — GENERAL To ensure orderly operations and provide the best possible work environment, Northern States Financial Corporation expects employees to follow rules of conduct that will protect the interests and safety of all employees and the Corporation. |
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| March 25, 2009 |
CERTIFICATE OF AMENDMENT CERTIFICATE OF INCORPORATION OF NORTHERN STATES FINANCIAL CORPORATION EXHIBIT 3.3 CERTIFICATE OF AMENDMENT OF CERTIFICATE OF INCORPORATION OF NORTHERN STATES FINANCIAL CORPORATION Pursuant to Section 242 of the Delaware General Corporation Law, the undersigned, NORTHERN STATES FINANCIAL CORPORATION, a Delaware corporation, hereby certifies that: FIRST: At a meeting held on December 24, 2008, the Board of Directors of the Corporation adopted a resolution setting fort |
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| March 25, 2009 |
Form of Senior Executive Officer Letter Agreement and Waiver Under the TARP Capital Purchase Program EXHIBIT 10.3 Form of Senior Executive Officer Letter Agreement and Waiver Under the TARP Capital Purchase Program I, [NAME], an executive officer of Northern States Financial Corporation intending to be bound, hereby acknowledge and agree as follows: In consideration for the benefits I will receive as a result of my employer’s participation in the United States Department of the Treasury’s TARP Ca |
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| March 25, 2009 |
EXHIBIT 21 SUBSIDIARIES OF NORTHERN STATES FINANCIAL CORPORATION NorStates Bank 1601 N. |
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| March 25, 2009 |
Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K þ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2008 OR o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 000-19300 NORTHERN |
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| March 25, 2009 |
CERTIFICATE OF AMENDMENT OF CERTIFICATE OF INCORPORATION OF NORTHERN STATES FINANCIAL CORPORATION EXHIBIT 3.2 CERTIFICATE OF AMENDMENT OF CERTIFICATE OF INCORPORATION OF NORTHERN STATES FINANCIAL CORPORATION Pursuant to Section 242 of the Delaware General Corporation Law, the undersigned, Northern States Financial Corporation, a Delaware corporation, hereby certifies that: First: At a meeting held on February 17, 1998, the Board of Directors of the Corporation adopted the following resolutions |
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| March 6, 2009 |
EXHIBIT 99.1 March 6, 2009 NORTHERN STATES FINANCIAL REPORTS 2008 FINANCIAL RESULTS Despite growth in net interest income, Company reports loss; Bank continues to be well-capitalized WAUKEGAN, IL, March 6, 2009 – Northern States Financial Corporation (Nasdaq: NSFC), holding company for NorStates Bank, an FDIC-insured financial institution, reported that, despite a 15 percent increase to its net in |
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| March 6, 2009 |
Results of Operations and Financial Condition UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): March 6, 2009 NORTHERN STATES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) 000-19300 (Commission File Number) Delaware 36-3449727 (State or other Juris |
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| February 23, 2009 |
EXHIBIT 4.1 |
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| February 23, 2009 |
EXHIBIT 10.2 United States Department of the Treasury 1500 Pennsylvania Avenue, NW Washington, D.C. 20220 February 20, 2009 Ladies and Gentlemen: Reference is made to that certain Letter Agreement incorporating the Securities Purchase Agreement – Standard Terms dated of as of the date of this letter agreement (the “Securities Purchase Agreement”) between United States Department of Treasury (“Inve |
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| February 23, 2009 |
EXHIBIT 3.1 CERTIFICATE OF DESIGNATIONS OF FIXED RATE CUMULATIVE PERPETUAL PREFERRED STOCK, SERIES A OF NORTHERN STATES FINANCIAL CORPORATION Northern States Financial Corporation, a corporation organized and existing under the laws of the State of Delaware (the “Corporation”), in accordance with the provisions of Section 151 of the General Corporation Law of the State of Delaware thereof, does he |
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| February 23, 2009 |
EXHIBIT 10.1 UST Seq. No.: 747 UNITED STATES DEPARTMENT OF THE TREASURY 1500 PENNSYLVANIA AVENUE, NW WASHINGTON, D.C. 20220 Dear Ladies and Gentlemen: The company set forth on the signature page hereto (the “Company”) intends to issue in a private placement the number of shares of a series of its preferred stock set forth on Schedule A hereto (the “Preferred Shares”) and a warrant to purchase the |
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| February 23, 2009 |
EXHIBIT 99.1 Northern States Financial Corporation 1601 North Lewis Avenue P.O.Box 39 Waukegan, Illinois 60079-0039 847-244-6000 February 23, 2009 NORTHERN STATES FINANCIAL CORPORATION ISSUES SHARES IN U.S. TREASURY CAPITAL PURCHASE PROGRAM WAUKEGAN, IL, February 23, 2009 – Northern States Financial Corporation (Nasdaq: NSFC), holding company for NorStates Bank, a FDIC-insured financial institutio |
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| February 23, 2009 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 20, 2009 NORTHERN STATES FINANCIAL CORPORATION (Exact Name of Company as Specified in its Charter) Delaware 000-19300 36-3449727 (State or other jurisdiction of incorporation |
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| February 23, 2009 |
EXHIBIT 4.2 UST Seq. No.: 747 WARRANT TO PURCHASE COMMON STOCK THE SECURITIES REPRESENTED BY THIS INSTRUMENT HAVE NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED, OR THE SECURITIES LAWS OF ANY STATE AND MAY NOT BE TRANSFERRED, SOLD OR OTHERWISE DISPOSED OF EXCEPT WHILE A REGISTRATION STATEMENT RELATING THERETO IS IN EFFECT UNDER SUCH ACT AND APPLICABLE STATE SECURITIES LAWS OR PUR |
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| January 2, 2009 |
JENNIFER DURHAM KING 312-609-7835 [email protected] January 2, 2009 JENNIFER DURHAM KING 312-609-7835 [email protected] January 2, 2009 VIA E-MAIL AND EDGAR United States Securities and Exchange Commission Division of Corporation Finance 100 F Street, NE Mail Stop 4561 Washington, D.C. 20549 Attention: Mr. William C. Friar Mr. Jonathan E. Gottlieb Re: Northern States Financial Corporation Preliminary Proxy Statement on Schedule 14A File No. 000-19300 Filed Nov |
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| January 2, 2009 |
FORM DEF 14A Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D. |
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| December 18, 2008 |
December 18, 2008 VIA E-MAIL AND EDGAR United States Securities and Exchange Commission Division of Corporation Finance 100 F Street, NE Mail Stop 4561 Washington, D. |
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| December 15, 2008 |
WILLIAM K. HADLER 312-609-7590 [email protected] WILLIAM K. HADLER 312-609-7590 [email protected] December 15, 2008 VIA E-MAIL AND EDGAR United States Securities and Exchange Commission Division of Corporation Finance 100 F Street, NE Mail Stop 4561 Washington, D.C. 20549 Attention: Mr. William C. Friar Mr. Jonathan E. Gottlieb Re: Northern States Financial Corporation Preliminary Proxy Statement on Schedule 14A File No. 000-19300 Filed No |
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| December 8, 2008 |
JENNIFER DURHAM KING 312-609-7835 [email protected] December 8, 2008 JENNIFER DURHAM KING 312-609-7835 [email protected] December 8, 2008 VIA E-MAIL, EDGAR AND FEDEX United States Securities and Exchange Commission Division of Corporation Finance 100 F Street, NE Mail Stop 4561 Washington, D.C. 20549 Attention: Mr. William C. Friar Mr. Jonathan E. Gottlieb Re: Northern States Financial Corporation Preliminary Proxy Statement on Schedule 14A File No. 000-19300 F |
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| November 24, 2008 |
FORM CORRESP November 21, 2008 VIA E-MAIL AND EDGAR United States Securities and Exchange Commission Division of Corporation Finance 100 F Street, NE Mail Stop 4561 Washington, D. |
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| November 14, 2008 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ý Filed by a Party other than the Registrant ¨ Check the appropriate box: ý Preliminary Proxy Statement ¨ Confidential, for Use of |
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| November 5, 2008 |
United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ý QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2008 OR ¨ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to NORTHERN STATES FINANCIAL CORPORATION (Exact name |
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| October 29, 2008 |
Results of Operations and Financial Condition UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): October 29, 2008 NORTHERN STATES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) 000-19300 (Commission File Number) Delaware 36-3449727 (State or other Ju |
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| October 29, 2008 |
EXHIBIT 99.1 October 29, 2008 NORTHERN STATES FINANCIAL REPORTS THIRD QUARTER LOSS AFTER PROVISION FOR LOAN LOSSES AND WRITE-DOWN OF SECURITIES CORE OPERATIONS STRONG: LOANS & DEPOSITS GROW BANK CONTINUES TO BE WELL CAPITALIZED WAUKEGAN, IL, October 29, 2008 – Northern States Financial Corporation (Nasdaq: NSFC), holding company for NorStates Bank, a FDIC-insured financial institution, today repor |
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| September 22, 2008 |
POWER OF ATTORNEY Know all by these presents, that the undersigned hereby constitutes and appoints Peggy J. |
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| September 17, 2008 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): September 16, 2008 NORTHERN STATES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) 000-19300 (Commission File Number) Delaware 36-3449727 (State or other |
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| September 17, 2008 |
NORTHERN STATES FINANCIAL NAMES SCOTT YELVINGTON PRESIDENT OF NORSTATES BANK EXHIBIT 99.1 September 17, 2008 NORTHERN STATES FINANCIAL NAMES SCOTT YELVINGTON PRESIDENT OF NORSTATES BANK WAUKEGAN, IL, September 17, 2008 – Northern States Financial Corporation (Nasdaq: NSFC), holding company for NorStates Bank, a FDIC-insured financial institution, today reported that Scott Yelvington has been appointed President and Chief Operating Officer of NorStates Bank, effective Septe |
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| September 17, 2008 |
EXHIBIT 10.1 EMPLOYMENT AGREEMENT THIS EMPLOYMENT AGREEMENT, made and entered into as of September 16, 2008, by and between NorStates Bank (hereinafter called the “Bank”), and Scott Yelvington (hereinafter called the “Employee”). WHEREAS, the Bank is a wholly-owned subsidiary of Northern States Financial Corporation, a Delaware corporation (“Holding Company”); WHEREAS, the Bank desires to employ E |
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| September 17, 2008 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): September 17, 2008 NORTHERN STATES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) 000-19300 (Commission File Number) Delaware 36-3449727 (State or other |
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| August 4, 2008 |
United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ý QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2008 OR ¨ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to NORTHERN STATES FINANCIAL CORPORATION (Exact name of Re |
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| July 30, 2008 |
EXHIBIT 99.1 Northern States Financial Corporation 1601 North Lewis Avenue P.O.Box 39 Waukegan, Illinois 60079-0039 847-244-6000 July 30, 2008 NORTHERN STATES FINANCIAL REPORTS MIXED SECOND QUARTER RESULTS NET INTEREST INCOME INCREASES, BUT PROVISION FOR LOAN LOSSES OFFSETS GAIN – BANK’S CAPITAL EXCEEDS REGULATORY REQUIREMENTS Loans at Record Level WAUKEGAN, IL, July 30, 2008 – Northern States Fin |
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| July 30, 2008 |
Results of Operations and Financial Condition UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): July 30, 2008 NORTHERN STATES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) 000-19300 (Commission File Number) Delaware 36-3449727 (State or other Juris |
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| June 27, 2008 |
POWER OF ATTORNEY Know all by these presents, that the undersigned hereby constitutes and appoints Peggy J. |
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| May 12, 2008 |
United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ý QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2008 OR ¨ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to NORTHERN STATES FINANCIAL CORPORATION (Exact name of R |
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| April 17, 2008 |
EXHIBIT 99.1 April 17, 2008 NORTHERN STATES FINANCIAL REPORTS IMPROVED FIRST QUARTER RESULTS Net Interest Income Increases 35 Percent Dividend Yield Now 4.1 Percent Annualized WAUKEGAN, IL, April 17, 2008 – Northern States Financial Corporation (Nasdaq: NSFC), holding company for NorStates Bank, today reported earnings for the first quarter of 2008 of $1,201,000, or $.29 per share, compared with $ |
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| April 17, 2008 |
def14a Table of Contents OMB APPROVAL OMB Number: 3235-0059 Expires: January 31, 2008 Estimated average burden hours per response 14 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D. |
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| April 17, 2008 |
Results of Operations and Financial Condition UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): April 17, 2008 NORTHERN STATES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) 000-19300 (Commission File Number) Delaware 36-3449727 (State or other Juri |
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| March 14, 2008 |
Copy of Portions of the Company's Annual Report to Stockholders exv13 EXHIBIT 13 PORTIONS OF NORTHERN STATES FINANCIAL CORPORATION ANNUAL REPORT TO STOCKHOLDERS FOR THE YEAR ENDED DECEMBER 31, 2007 Selected Consolidated Financial Data ($ 000’s) except per share data As of or for the Year Ended December 31, 2007 2006 2005 2004 2003 Income Statement Data: Interest income $ 38,421 $ 36,633 $ 35,056 $ 32,092 $ 27,007 Interest expense 20,060 20,695 15,372 9,859 9,4 |
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| March 14, 2008 |
exv21 EXHIBIT 21 SUBSIDIARIES OF NORTHERN STATES FINANCIAL CORPORATION NorStates Bank 1601 N. |
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| March 14, 2008 |
e10vk Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D. |
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| March 14, 2008 |
exv14 EXHIBIT 14 NORTHERN STATES FINANCIAL CORPORATION CODE OF ETHICS NORTHERN STATES FINANCIAL CORPORATION AND SUBSIDIARIES Your Personal & Business Conduct Policy BUSINESS CONDUCT – GENERAL To ensure orderly operations and provide the best possible work environment, Northern States Financial Corporation expects employees to follow rules of conduct that will protect the interests and safety of all employees and the Corporation. |
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| March 7, 2008 |
Results of Operations and Financial Condition UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): March 7, 2008 NORTHERN STATES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) 000-19300 (Commission File Number) Delaware 36-3449727 (State or other Juris |
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| March 7, 2008 |
EXHIBIT 99.1 March 7, 2008 NORTHERN STATES FINANCIAL 2007 EARNINGS INCREASE 42 PERCENT Growth in Net Interest Income and Loans Dividends Increased WAUKEGAN, IL, March 7, 2008 – Northern States Financial Corporation (Nasdaq: NSFC), holding company for NorStates Bank, today reported earnings for 2007 of $4,388,000, or $1.05 per share, compared with $3,092,000, or $.72 per share for 2006, an increase |
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| November 7, 2007 |
United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2007 OR o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to NORTHERN STATES FINANCIAL CORPORATION (Exact name |
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| October 19, 2007 |
EXHIBIT 99.1 October 19, 2007 NORTHERN STATES FINANCIAL NINE MONTH EARNINGS INCREASE 47 PERCENT Net Interest Income and Loans Rise Annual Dividend Increased WAUKEGAN, IL, October 19, 2007 – Northern States Financial Corporation (Nasdaq: NSFC), holding company for NorStates Bank, today reported net income of $3,157,000, or $.75 per share, for the nine months ended September 30, 2007, compared with |
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| October 19, 2007 |
Results of Operations and Financial Condition UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): October 19, 2007 NORTHERN STATES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) 000-19300 (Commission File Number) Delaware 36-3449727 (State or other Ju |
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| August 8, 2007 |
United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ý QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2007 OR ¨ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to NORTHERN STATES FINANCIAL CORPORATION (Exact name of Re |
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| July 26, 2007 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): July 26, 2007 NORTHERN STATES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) 000-19300 (Commission File Number) Delaware 36-3449727 (State or other Juris |
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| July 26, 2007 |
EXHIBIT 99.1 July 26, 2007 NORTHERN STATES FINANCIAL SECOND QUARTER NET INCOME INCREASES 14.8 PERCENT Improvement to Net Interest Income Assists Earnings Growth WAUKEGAN, IL, July 26, 2007 – Northern States Financial Corporation (Nasdaq: NSFC), holding company for NorStates Bank, today reported earnings for the second quarter of 2007 of $1,047,000, or $.25 per share, compared with $912,000, or $.2 |
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| May 10, 2007 |
United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ý QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2007 OR ¨ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to NORTHERN STATES FINANCIAL CORPORATION (Exact name of R |
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| April 30, 2007 |
Results of Operations and Financial Condition UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): April 30, 2007 NORTHERN STATES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) 000-19300 (Commission File Number) Delaware 36-3449727 (State or other Juri |
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| April 30, 2007 |
EXHIBIT 99.1 April 30, 2007 NORTHERN STATES FINANCIAL FIRST QUARTER NET INCOME INCREASES 182 PERCENT Reduction to the Allowance for Loan Losses Causes Much of Net Income Rise Dividend Yield Now 3.34 Percent Annualized WAUKEGAN, IL, April 30, 2007 - Northern States Financial Corporation (Nasdaq: NSFC), holding company for NorStates Bank, today reported earnings for the first quarter of 2007 of $1,5 |
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| April 19, 2007 |
def14a Table of Contents OMB APPROVAL OMB Number: 3235-0059 Expires: January 31, 2008 Estimated average burden hours per response 14 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D. |
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| April 6, 2007 |
EXHIBIT 24 POWER OF ATTORNEY Know all by these presents, that the undersigned hereby constitutes and appoints Peggy J. |
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| April 6, 2007 |
EXHIBIT 24 POWER OF ATTORNEY Know all by these presents, that the undersigned hereby constitutes and appoints Peggy J. |
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| April 6, 2007 |
POWER OF ATTORNEY Know all by these presents, that the undersigned hereby constitutes and appoints Peggy J. |
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| March 28, 2007 |
e10vk Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D. |
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| March 28, 2007 |
Copy of Portions of the Company's Annual Report exv13 EXHIBIT 13 PORTIONS OF NORTHERN STATES FINANCIAL CORPORATION ANNUAL REPORT TO STOCKHOLDERS FOR THE YEAR ENDED DECEMBER 31, 2006 Selected Consolidated Financial Data ($ 000’s) except per share data As of or for the Year Ended December 31, 2006 2005 2004 2003 2002 Income Statement Data: Interest income $ 36,633 $ 35,056 $ 32,092 $ 27,007 $ 30,934 Interest expense 20,695 15,372 9,859 9,403 12,0 |
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| March 28, 2007 |
exv14 EXHIBIT 14 NORTHERN STATES FINANCIAL CORPORATION CODE OF ETHICS NORTHERN STATES FINANCIAL CORPORATION AND SUBSIDIARIES Your Personal & Business Conduct Policy BUSINESS CONDUCT – GENERAL To ensure orderly operations and provide the best possible work environment, Northern States Financial Corporation expects employees to follow rules of conduct that will protect the interests and safety of all employees and the Corporation. |
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| March 28, 2007 |
exv21 EXHIBIT 21 SUBSIDIARIES OF NORTHERN STATES FINANCIAL CORPORATION NorStates Bank 1601 N. |
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| March 16, 2007 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 12b-25 Commission File No. 000-19300 NOTIFICATION OF LATE FILING (Check One): x Form 10-K ¨ Form 20-F ¨ Form 11-K ¨ Form 10-Q ¨ Form 10-D ¨ Form N-SAR ¨ Form N-CSR For the Period Ended: December 31, 2006 ¨ Transition Report on Form 10-K ¨ Transition Report on Form 20-F ¨ Transition Report on Form 11-K ¨ Transition Report |
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| January 17, 2007 |
NORTHERN STATES FINANCIAL 2006 EARNINGS INCREASE 46 PERCENT Reduction in Nonperforming Assets EXHIBIT 99.1 January 17, 2007 NORTHERN STATES FINANCIAL 2006 EARNINGS INCREASE 46 PERCENT Reduction in Nonperforming Assets WAUKEGAN, IL, January 17, 2007 - Northern States Financial Corporation (Nasdaq: NSFC), holding company for NorStates Bank, today reported earnings for 2006 of $3,060,000, or $.72 per share, compared with $2,087,000, or $.49 per share for 2005, an increase of 46.6 percent. In |
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| January 17, 2007 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): January 17, 2007 NORTHERN STATES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) 000-19300 (Commission File Number) Delaware 36-3449727 (State or other Ju |
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| November 7, 2006 |
United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ý QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2006 OR ¨ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to NORTHERN STATES FINANCIAL CORPORATION (Exact name |
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| October 18, 2006 |
NORTHERN STATES FINANCIAL POSTS INCREASED THIRD QUARTER EARNINGS Dividend Increased EXHIBIT 99.1 October 18, 2006 NORTHERN STATES FINANCIAL POSTS INCREASED THIRD QUARTER EARNINGS Dividend Increased WAUKEGAN, IL, October 18, 2006 - Northern States Financial Corporation (Nasdaq: NSFC), holding company for NorStates Bank, today reported third quarter 2006 earnings of $.17 per share compared with $.03 per share for the same quarter last year. Third quarter 2006 earnings increased bec |
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| October 18, 2006 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): October 18, 2006 NORTHERN STATES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) 000-19300 (Commission File Number) Delaware 36-3449727 (State or other Ju |
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| August 7, 2006 |
United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ý QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2006 OR ¨ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to NORTHERN STATES FINANCIAL CORPORATION (Exact name of Re |
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| July 19, 2006 |
EXHIBIT 99.1 July 19, 2006 NORTHERN STATES FINANCIAL REPORTS SECOND QUARTER NET INCOME INCREASE Nonperforming Lease Pools Reduced by $5.2 Million WAUKEGAN, IL, July 19, 2006 - Northern States Financial Corporation (Nasdaq: NSFC), holding company for NorStates Bank, today reported that second quarter 2006 earnings were $.21 per share compared with $.14 per share for the same quarter last year, an i |
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| July 19, 2006 |
Results of Operations and Financial Condition UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): July 19, 2006 NORTHERN STATES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) 000-19300 (Commission File Number) Delaware 36-3449727 (State or other Juris |
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| May 22, 2006 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): May 17, 2006 NORTHERN STATES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) 000-19300 (Commission File Number) Delaware 36-3449727 (State or other Jurisd |
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| May 9, 2006 |
United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ý QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2006 OR ¨ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to NORTHERN STATES FINANCIAL CORPORATION (Exact name of R |
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| April 20, 2006 |
def14a Table of Contents OMB APPROVAL OMB Number: 3235-0059 Expires: January 31, 2008 Estimated average burden hours per response 14 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D. |
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| April 19, 2006 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): April 18, 2006 NORTHERN STATES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) 000-19300 (Commission File Number) Delaware 36-3449727 (State or other Juri |
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| April 19, 2006 |
Results of Operations and Financial Condition UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): April 19, 2006 NORTHERN STATES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) 000-19300 (Commission File Number) Delaware 36-3449727 (State or other Juri |
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| April 19, 2006 |
EXHIBIT 99.1 April 19, 2006 NORTHERN STATES FINANCIAL FIRST QUARTER NET INCOME DECLINES Increased Semi - Annual Dividend Declared WAUKEGAN, IL, April 19, 2006 - Northern States Financial Corporation (Nasdaq: NSFC), holding company for NorStates Bank, today reported earnings for the first quarter of 2006 of $543,000, or $.13 per share, compared with $1,025,000, or $.24 per share for the like quarte |
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| April 14, 2006 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K/A CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): March 31, 2006 NORTHERN STATES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) 000-19300 (Commission File Number) Delaware 36-3449727 (State or other Ju |
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| April 14, 2006 |
cc: Mr. Allan Jacobs, Audit Committee Chair Northern States Financial Corporation EXHIBIT 16.1 April 12, 2006 Office of the Chief Accountant Securities and Exchange Commission 100 F Street, N.E. Washington, D.C. 20549 Ladies and Gentlemen: We have read the comments made regarding us in Item 4.01 of Form 8-K of Northern States Financial Corporation (Commission File Number 000-19300) dated March 31, 2006 and filed April 6, 2006, and are in agreement with those statements. /s/ Cro |
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| April 6, 2006 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): March 31, 2006 NORTHERN STATES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) 000-19300 (Commission File Number) Delaware 36-3449727 (State or other Juri |
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| March 31, 2006 |
Copy of Portions of the Company's Annual Report to Stockholders exv13 EXHIBIT 13 PORTIONS OF NORTHERN STATES FINANCIAL CORPORATION ANNUAL REPORT TO STOCKHOLDERS FOR THE YEAR ENDED DECEMBER 31, 2005 NORTHERN STATES FINANCIAL CORPORATION SELECTED CONSOLIDATED FINANCIAL DATA ($000s, except per share data) As of or for the Year Ended December 31, 2005 2004 2003 2002 2001 INCOME STATEMENT DATA: Interest income $ 35,056 $ 32,092 $ 27,007 $ 30,934 $ 36,691 Interest e |
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| March 31, 2006 |
exv21 EXHIBIT 21 SUBSIDIARIES OF NORTHERN STATES FINANCIAL CORPORATION NorStates Bank 1601 N. |
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| March 31, 2006 |
e10vk Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D. |
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| March 17, 2006 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 12b-25 NOTIFICATION OF LATE FILING If the notification relates to a portion of the filing checked above, identify the Item(s) to which the notification relates: PART I — REGISTRANT INFORMATION PART II — RULES 12b-25(b) and (c) If the subject report could not be filed without unreasonable effort or expense and the registra |
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| March 17, 2006 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 12b-25 Commission File No. 000-19300 NOTIFICATION OF LATE FILING (Check One): ý Form 10-K ¨ Form 20-F ¨ Form 11-K ¨ Form 10-Q ¨ Form 10-D ¨ Form N-SAR ¨ Form N-CSR For the Period Ended: December 31, 2005 ¨ Transition Report on Form 10-K ¨ Transition Report on Form 20-F ¨ Transition Report on Form 11-K ¨ Transition Report |
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| November 10, 2005 |
Exhibit 99.1 November 10, 2005 NORTHERN STATES FINANCIAL CORPORATION MERGES BANK OF WAUKEGAN AND FIRST STATE BANK OF ROUND LAKE AS NORSTATES BANK WAUKEGAN, IL, November 10, 2005 - Northern States Financial Corporation (Nasdaq: NSFC), holding company for the Bank of Waukegan and First State Bank of Round Lake announced today that it has merged the two banks and has named the resulting combined bank |
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| November 10, 2005 |
EX-99.1 2 ex99-1.htm NORTHERN STATES EXHIBIT 99.1 Exhibit 99.1 November 10, 2005 NORTHERN STATES FINANCIAL CORPORATION MERGES BANK OF WAUKEGAN AND FIRST STATE BANK OF ROUND LAKE AS NORSTATES BANK WAUKEGAN, IL, November 10, 2005 - Northern States Financial Corporation (Nasdaq: NSFC), holding company for the Bank of Waukegan and First State Bank of Round Lake announced today that it has merged the t |
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| November 10, 2005 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): November 10, 2005 NORTHERN STATES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) 000-19300 (Commission File Number) Delaware 36-3449727 (State or other J |
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| November 10, 2005 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): November 10, 2005 NORTHERN STATES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) 000-19300 (Commission File Number) 1601 North Lewis Avenue P.O. Box 39 W |
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| April 21, 2005 |
def14a Table of Contents OMB APPROVAL OMB Number: 3235-0059 Expires: February 28, 2006 Estimated average burden hours per response 12. |
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| March 16, 2005 |
exv21 EXHIBIT 21 SUBSIDIARIES OF NORTHERN STATES FINANCIAL CORPORATION Bank of Waukegan 1601 N. |
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| March 16, 2005 |
Copy of portionsof the Company's Annual Report to Stockholders exv13 Exhibit 13 NORTHERN STATES FINANCIAL CORPORATION SELECTED CONSOLIDATED FINANCIAL DATA ($ 000s, except per share data) As of or for the Year Ended December 31, 2004 2003 2002 2001 2000 INCOME STATEMENT DATA: Interest income $ 32,092 $ 27,007 $ 30,934 $ 36,691 $ 37,207 Interest expense 9,859 9,403 12,025 18,668 19,220 Net interest income 22,233 17,604 18,909 18,023 17,987 Provision for loan an |
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| March 16, 2005 |
e10vk Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D. |
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| April 22, 2004 |
def14a TABLE OF CONTENTS PROXY STATEMENT ANNUAL MEETING OF STOCKHOLDERS DIRECTORS COMMITTEES OF THE BOARD OF DIRECTORS OF THE COMPANY REPORT OF THE AUDIT COMMITTEE OF THE BOARD OF DIRECTORS CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT SECTION 16(a) BENEFICIAL OWNERSHIP REPORTING COMPLIANCE EXECUTIVE COMPENSATION SUMMARY COMPENSATION |
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| March 29, 2004 |
302 Certification of Chairman of the Board & Pres. exv31wa EXHIBIT 31-A NORTHERN STATES FINANCIAL CORPORATION I, Fred Abdula, certify that: 1. |
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| March 29, 2004 |
exv21 EXHIBIT 21 SUBSIDIARIES OF NORTHERN STATES FINANCIAL CORPORATION Bank of Waukegan 1601 N. |
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| March 29, 2004 |
exv14 EXHIBIT 14 YOUR PERSONAL AND BUSINESS CONDUCT 12/16/03 Page 1 of 7 NORTHERN STATES FINANCIAL CORPORATION AND ITS SUBSIDIARIES BUSINESS CONDUCT - GENERAL The corporation expects all employees to provide prompt and efficient service, to conduct themselves in accordance with policy and to protect the interest of the corporation. |
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| March 29, 2004 |
302 Certification of Vice President & Treasurer exv31wb EXHIBIT 31-B NORTHERN STATES FINANCIAL CORPORATION I, Thomas M. Nemeth, certify that: 1. I have reviewed this annual report on Form 10-K of Northern States Financial Corporation; 2. Based on my knowledge, this annual report does not contain any untrue statement of material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which |
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| March 29, 2004 |
Copy of Portions of the Annual Report exv13 Exhibit 13 ($ 000s, except per share data) As of or for the Year Ended December 31, 2003 2002 2001 2000 1999 INCOME STATEMENT DATA: Interest income $ 27,007 $ 30,934 $ 36,691 $ 37,207 $ 32,778 Interest expense 9,403 12,025 18,668 19,220 15,005 Net interest income 17,604 18,909 18,023 17,987 17,773 Provision for loan and lease losses 1,030 300 100 0 0 Net interest income after provision for l |
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| March 29, 2004 |
e10vk Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D. |
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| August 8, 2003 |
United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q Quarterly Report Table of Contents United States SECURITIES AND EXCHANGE COMMISSION Washington, D. |
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| July 16, 2003 |
Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): July 16, 2003 NORTHERN STATES FINANCIAL CORPORATION (Exact name of Registrant as Specified in its Charter) Commission File Number 0-19300 Delaware 36-3449727 (State |
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| July 16, 2003 |
NORTHERN STATES REPORTS SECOND QUARTER NET DECLINES Dividend Increased During Quarter Exhibit 99.1 July 16, 2003 NORTHERN STATES REPORTS SECOND QUARTER NET DECLINES Dividend Increased During Quarter WAUKEGAN, IL, July 16, 2003 — Northern States Financial Corporation (Nasdaq: NSFC), holding company for the Bank of Waukegan, today reported that second quarter 2003 earnings were 28.3 percent less than last year’s levels for the same period. Earnings were adversely affected by the dela |
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| May 13, 2003 |
NORTHERN STATES FINANCIAL CORPORATION EXHIBIT 99.1 Section 906 Certification We hereby certify, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that the Report of Northern States Financial Corporation on Form 10-Q for the quarter ended March 31, 2003 fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange A |
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| May 13, 2003 |
United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q Table of Contents United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q [ X ] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ending March 31, 2003 OR [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to NORTHERN STATES FINANCIAL CO |
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| May 2, 2003 |
Statement of Changes in Beneficial Ownership OMB APPROVAL OMB Number: 3235-0287 Expires: January 31, 2005 Estimated average burden hours per response. |
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| April 16, 2003 |
e8vk UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): April 16, 2003 NORTHERN STATES FINANCIAL CORPORATION (Exact name of Registrant as Specified in its Charter) Commission File Number 0-19300 Delaware 36-3449727 (State or other Jur |
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| April 16, 2003 |
EXHIBIT 99.1 NORTHERN STATES FINANCIAL NET INCOME DOWN AS NONPERFORMING LOANS RISE Board of Directors Declares Increased Dividend WAUKEGAN, IL, April 16, 2003 – Northern States Financial Corporation (Nasdaq: NSFC), holding company for the Bank of Waukegan, today reported a decline in first quarter 2003 earnings. Despite record asset and loan levels, earnings were unfavorably impacted by increases |
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| March 25, 2003 |
Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K [X] ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2002 OR [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to COMMISSION FILE NUMBER 0 - 19300 NORT |
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| March 25, 2003 |
TABLE OF CONTENTS PROXY STATEMENT Committees of the Board of Directors of the Company REPORT OF THE AUDIT COMMITTEE OF THE BOARD OF DIRECTORS SECTION 16(a) BENEFICIAL OWNERSHIP REPORTING COMPLIANCE EXECUTIVE COMPENSATION SUMMARY COMPENSATION TABLE REPORT OF THE COMPENSATION AND EMPLOYEE BENEFITS COMMITTEE OF THE BOARD OF DIRECTORS ON EXECUTIVE COMPENSATION SELECTION OF INDEPENDENT AUDITORS STOCKHOLDER PROPOSALS OTHER BUSINESS Table of Contents SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. |
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| March 25, 2003 |
List of Subsidiaries EXHIBIT 21 SUBSIDIARIES OF NORTHERN STATES FINANCIAL CORPORATION Bank of Waukegan 1601 N. Lewis Avenue Waukegan, Illinois 60085 State of Incorporation — Illinois A Wholly-Owned Subsidiary of Northern States Financial Corporation 72 |
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| March 25, 2003 |
Certification EXHIBIT 99 NORTHERN STATES FINANCIAL CORPORATION Section 906 Certification We hereby certify, pursuant to 18 U. |
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| March 25, 2003 |
Copy of the Company's Annual Report Copy of the Company's Annual Report EXHIBIT 13 ($ 000s, except per share data) As of or for the Year Ended December 31, 2002 2001 2000 1999 1998 INCOME STATEMENT DATA: Interest income $ 30,934 $ 36,691 $ 37,207 $ 32,778 $ 34,206 Interest expense 12,025 18,668 19,220 15,005 16,896 Net interest income 18,909 18,023 17,987 17,773 17,310 Provision for loan and lease losses 300 100 0 0 10 Net interest |
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| February 19, 2003 |
Fred Abdula, Chairman of the Board, (847) 244-6000 Ext. 238 Press Release dated 2/19/03 FOR IMMEDIATE RELEASE NORTHERN STATES FINANCIAL ANNOUNCES ADDITIONAL STOCK REPURCHASE PROGRAM WAUKEGAN, IL, February 19, 2003 – Northern States Financial Corporation (Nasdaq: NSFC), holding company for the Bank of Waukegan, today reported that its Board of Directors has approved an additional Stock Repurchase Program permitting the Company to repurchase up to 200,000 additional shares of its outstanding stock. |
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| February 19, 2003 |
Current Report UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): February 19, 2003 NORTHERN STATES FINANCIAL CORPORATION (Exact name of Registrant as Specified in its Charter) Commission File Number 0-19300 Delaware 36-3449727 (State |
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| November 12, 2002 |
United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q Table of Contents United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ending September 30, 2002 OR [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to NORTHERN STATES FINANCIAL |
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| November 12, 2002 |
NORTHERN STATES FINANCIAL CORPORATION Exhibit 99.1 Section 906 Certification We hereby certify, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act 0f 2002, that the Report of Northern States Financial Corporation on Form 10-Q for the quarter ended September 30, 2002 fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchan |
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| August 14, 2002 |
Exhibit 99.1 We hereby certify, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that the Report of Northern States Financial Corporation on Form 10-Q/A for the quarter ended June 30, 2002 fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934 and that information contained in such Report fairly |
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| August 14, 2002 |
United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q/A Table of Contents United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q/A QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ending June 30, 2002 OR TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to NORTHERN STATES FINANCIAL CORPORATION |
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| August 2, 2002 |
United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q Northern States Financial Corporation Table of Contents United States SECURITIES AND EXCHANGE COMMISSION Washington, D. |
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| May 14, 2002 |
United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q Northern States Financial Corp Form 10-Q Table of Contents United States SECURITIES AND EXCHANGE COMMISSION Washington, D. |
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| April 17, 2002 |
e8-k Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D. |
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| April 17, 2002 |
NORTHERN STATES FINANCIAL ANNOUNCES STOCK REPURCHASE PROGRAM ex99 Exhibit 99 April 17, 2002 FOR IMMEDIATE RELEASE NORTHERN STATES FINANCIAL ANNOUNCES STOCK REPURCHASE PROGRAM WAUKEGAN, IL, April 17, 2002 — Northern States Financial Corporation (Nasdaq: NSFC), holding company for the Bank of Waukegan, today reported that its Board of Directors has approved a Stock Repurchase Plan Program enabling the Company to repurchase up to 200,000 shares of its outstanding stock. |
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| March 26, 2002 |
Annual Report Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D. |
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| March 26, 2002 |
Copy of the Co. Annual Report to Stockholders Annual Report to Stcokholders EXHIBIT 13 NORTHERN STATES FINANCIAL CORPORATION SELECTED CONSOLIDATED FINANCIAL DATA ($ 000s, except per share data) As of or for the Year Ended December 31, 2001 2000 1999 1998 1997 INCOME STATEMENT DATA: Interest income $ 36,691 $ 37,207 $ 32,778 $ 34,206 $ 32,759 Interest expense 18,668 19,220 15,005 16,896 15,615 Net interest income 18,023 17,987 17,773 17,310 17 |
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| March 26, 2002 |
List of Subsidiaries EXHIBIT 21. SUBSIDIARIES OF NORTHERN STATES FINANCIAL CORPORATION Bank of Waukegan 1601 N. Lewis Avenue Waukegan, Illinois 60085 State of Incorporation - Illinois A Wholly-Owned Subsidiary of Northern States Financial Corporation 67 |
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| March 26, 2002 |
Definitive Notice and Proxy TABLE OF CONTENTS PROXY STATEMENT Committees of the Board of Directors of the Company REPORT OF THE AUDIT COMMITTEE OF THE BOARD OF DIRECTORS SECTION 16(a) BENEFICIAL OWNERSHIP REPORTING COMPLIANCE EXECUTIVE COMPENSATION SUMMARY COMPENSATION TABLE REPORT OF THE COMPENSATION AND EMPLOYEE BENEFITS COMMITTEE OF THE BOARD OF DIRECTORS ON EXECUTIVE COMPENSATION SELECTION OF INDEPENDENT AUDITORS STOCKHOLDER PROPOSALS OTHER BUSINESS Table of Contents SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. |
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| November 13, 2001 |
Quarterly Report Table of Contents United States SECURITIES AND EXCHANGE COMMISSION Washington, D. |
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| August 6, 2001 |
United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q Quarterly Report for Northern States Financial Table of Contents United States SECURITIES AND EXCHANGE COMMISSION Washington, D. |
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| May 11, 2001 |
United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q e10-q Table of Contents United States SECURITIES AND EXCHANGE COMMISSION Washington, D. |
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| March 27, 2001 |
Copy of the Company's Annual Report NORTHERN STATES FINANCIAL CORPORATION SELECTED CONSOLIDATED FINANCIAL DATA ($ 000s, except per share data) As of or for the Year Ended December 31, 2000 1999 1998 1997 1996 INCOME STATEMENT DATA: Interest income $ 37,207 $ 32,778 $ 34,206 $ 32,759 $ 31,671 Interest expense 19,220 15,005 16,896 15,615 14,808 Net interest income 17,987 17,773 17,310 17,144 16,863 Provision for loan losses 0 0 10 480 |
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| March 27, 2001 |
List of Subsidiaries EXHIBIT 21. SUBSIDIARIES OF NORTHERN STATES FINANCIAL CORPORATION Bank of Waukegan 1601 N. Lewis Avenue Waukegan, Illinois 60085 State of Incorporation — Illinois A Wholly-Owned Subsidiary of Northern States Financial Corporation 65 |
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| March 27, 2001 |
Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2000 OR TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to COMMISSION FILE NUMBER 0 — 19300 NORTHERN STA |
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| March 27, 2001 |
Northern States Financial Corp. Notice & Proxy TABLE OF CONTENTS PROXY STATEMENT DIRECTORS AND EXECUTIVE MANAGEMENT SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT SECTION 16(a) BENEFICIAL OWNERSHIP REPORTING COMPLIANCE EXECUTIVE COMPENSATION SUMMARY COMPENSATION TABLE REPORT OF THE COMPENSATION AND EMPLOYEE BENEFITS COMMITTEE OF THE BOARD OF DIRECTORS ON EXECUTIVE COMPENSATION COMP |
