Call reports 2012
NORTHWOODS BANK OF MINNESOTA — 2012
What NORTHWOODS BANK OF MINNESOTA reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 107,866,000 | 106,376,000 | 113,150,000 | 110,132,000 |
| Total loans | 57,977,000 | 59,107,000 | 58,181,000 | 56,358,000 |
| Allowance for loan losses | 1,166,000 | 1,182,000 | 1,028,000 | 955,000 |
| Securities available for sale | 33,935,000 | 30,693,000 | 35,500,000 | 35,692,000 |
| Securities held to maturity | 310,000 | 310,000 | 311,000 | 291,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,423,000 | 88,403,000 | 95,535,000 | 92,487,000 |
| Interest-bearing deposits | 79,889,000 | 77,280,000 | 83,465,000 | 78,806,000 |
| Noninterest-bearing deposits | 10,534,000 | 11,123,000 | 12,070,000 | 13,681,000 |
| Equity capital | 12,231,000 | 12,315,000 | 12,482,000 | 12,628,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,229,000 | 2,411,000 | 3,563,000 | 4,705,000 |
| Interest expense | 264,000 | 514,000 | 748,000 | 959,000 |
| Net interest income | 965,000 | 1,897,000 | 2,815,000 | 3,746,000 |
| Noninterest income | 363,000 | 730,000 | 1,033,000 | 1,359,000 |
| Noninterest expense | 939,000 | 1,930,000 | 2,864,000 | 3,782,000 |
| Provision for loan losses | 171,000 | 342,000 | 422,000 | 488,000 |
| Pretax income | 218,000 | 397,000 | 596,000 | 869,000 |
| Income tax | 1,000 | 1,000 | 2,000 | 2,000 |
| Net income | 217,000 | 396,000 | 594,000 | 867,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,317,000 | 11,372,000 | 11,477,000 | 11,753,000 |
| Total capital | 12,354,000 | 12,418,000 | 12,449,000 | 12,677,000 |
| Risk-weighted assets | 82,826,000 | 82,906,000 | 77,717,000 | 73,850,000 |
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