Call reports 2013
NORTHWOODS BANK OF MINNESOTA — 2013
What NORTHWOODS BANK OF MINNESOTA reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 103,518,000 | 102,861,000 | 109,390,000 | 104,381,000 |
| Total loans | 55,872,000 | 54,760,000 | 54,839,000 | 54,525,000 |
| Allowance for loan losses | 1,041,000 | 1,048,000 | 928,000 | 895,000 |
| Securities available for sale | 36,128,000 | 33,545,000 | 35,535,000 | 35,782,000 |
| Securities held to maturity | 247,000 | 247,000 | 247,000 | 227,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,971,000 | 85,782,000 | 92,884,000 | 87,693,000 |
| Interest-bearing deposits | 72,673,000 | 73,187,000 | 79,124,000 | 74,584,000 |
| Noninterest-bearing deposits | 12,298,000 | 12,595,000 | 13,760,000 | 13,109,000 |
| Equity capital | 12,739,000 | 12,208,000 | 12,228,000 | 12,335,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,079,000 | 2,163,000 | 3,179,000 | 4,186,000 |
| Interest expense | 188,000 | 357,000 | 514,000 | 643,000 |
| Net interest income | 891,000 | 1,806,000 | 2,665,000 | 3,543,000 |
| Noninterest income | 341,000 | 560,000 | 961,000 | 1,151,000 |
| Noninterest expense | 917,000 | 1,820,000 | 2,762,000 | 3,771,000 |
| Provision for loan losses | 92,000 | 154,000 | 185,000 | 187,000 |
| Pretax income | 223,000 | 392,000 | 679,000 | 736,000 |
| Income tax | 1,000 | 1,000 | 2,000 | 2,000 |
| Net income | 222,000 | 391,000 | 677,000 | 734,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,884,000 | 11,955,000 | 12,017,000 | 12,077,000 |
| Total capital | 12,783,000 | 12,854,000 | 12,916,000 | 12,963,000 |
| Risk-weighted assets | 71,624,000 | 71,792,000 | 71,902,000 | 70,792,000 |
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