Call reports 2014
NORTHWOODS BANK OF MINNESOTA — 2014
What NORTHWOODS BANK OF MINNESOTA reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 100,628,000 | 102,246,000 | 103,788,000 | 105,161,000 |
| Total loans | 54,180,000 | 53,209,000 | 54,355,000 | 55,527,000 |
| Allowance for loan losses | 899,000 | 911,000 | 749,000 | 637,000 |
| Securities available for sale | 35,072,000 | 34,763,000 | 39,314,000 | 35,858,000 |
| Securities held to maturity | 134,000 | 134,000 | 134,000 | 114,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,623,000 | 84,772,000 | 86,398,000 | 86,314,000 |
| Interest-bearing deposits | 70,376,000 | 70,634,000 | 71,231,000 | 71,732,000 |
| Noninterest-bearing deposits | 13,247,000 | 14,138,000 | 15,167,000 | 14,582,000 |
| Equity capital | 12,550,000 | 12,944,000 | 13,084,000 | 13,183,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,016,000 | 2,010,000 | 3,019,000 | 4,017,000 |
| Interest expense | 115,000 | 220,000 | 319,000 | 413,000 |
| Net interest income | 901,000 | 1,790,000 | 2,700,000 | 3,604,000 |
| Noninterest income | 203,000 | 508,000 | 750,000 | 905,000 |
| Noninterest expense | 950,000 | 1,931,000 | 3,025,000 | 3,976,000 |
| Provision for loan losses | 42,000 | 50,000 | -85,000 | -82,000 |
| Pretax income | 112,000 | 319,000 | 514,000 | 638,000 |
| Income tax | 1,000 | 1,000 | 2,000 | 4,000 |
| Net income | 111,000 | 318,000 | 512,000 | 634,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,180,000 | 12,326,000 | 12,467,000 | 12,506,000 |
| Total capital | 13,055,000 | 13,199,000 | 13,242,000 | 13,214,000 |
| Risk-weighted assets | 69,975,000 | 69,793,000 | 69,116,000 | 69,459,000 |
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