Call reports 2025
NORTHWOODS BANK OF MINNESOTA — 2025
What NORTHWOODS BANK OF MINNESOTA reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 134,609,000 | 137,077,000 | 142,316,000 | 143,037,000 |
| Total loans | 75,836,000 | 74,997,000 | 77,700,000 | 77,601,000 |
| Allowance for loan losses | 1,101,000 | 1,106,000 | 1,108,000 | 1,009,000 |
| Securities available for sale | 50,796,000 | 50,002,000 | 53,227,000 | 52,148,000 |
| Securities held to maturity | 887,000 | 887,000 | 887,000 | 886,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,271,000 | 121,214,000 | 125,960,000 | 126,259,000 |
| Interest-bearing deposits | 90,314,000 | 89,402,000 | 94,015,000 | 95,148,000 |
| Noninterest-bearing deposits | 29,957,000 | 31,812,000 | 31,945,000 | 31,111,000 |
| Equity capital | 11,386,000 | 11,235,000 | 12,748,000 | 13,000,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,556,000 | 3,109,000 | 4,911,000 | 6,655,000 |
| Interest expense | 403,000 | 810,000 | 1,246,000 | 1,663,000 |
| Net interest income | 1,153,000 | 2,299,000 | 3,665,000 | 4,992,000 |
| Noninterest income | 129,000 | 271,000 | 433,000 | 584,000 |
| Noninterest expense | 1,021,000 | 2,063,000 | 3,153,000 | 4,246,000 |
| Provision for loan losses | 2,000 | 3,000 | 4,000 | -95,000 |
| Pretax income | 259,000 | 504,000 | 941,000 | 1,425,000 |
| Income tax | 18,000 | 36,000 | 54,000 | 53,000 |
| Net income | 241,000 | 468,000 | 887,000 | 1,372,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,512,000 | 15,384,000 | 15,604,000 | 15,689,000 |