Call reports 2025
NORTHERN STATE BANK OF VIRGINIA — 2025
What NORTHERN STATE BANK OF VIRGINIA 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 | 98,965,000 | 99,123,000 | 103,109,000 | 101,267,000 |
| Total loans | 70,917,000 | 69,326,000 | 71,949,000 | 72,314,000 |
| Allowance for loan losses | 558,000 | 558,000 | 580,000 | 608,000 |
| Securities available for sale | 15,639,000 | 14,651,000 | 14,989,000 | 16,876,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,339,000 | 89,140,000 | 92,953,000 | 90,845,000 |
| Interest-bearing deposits | 74,853,000 | 75,223,000 | 77,806,000 | 75,227,000 |
| Noninterest-bearing deposits | 13,486,000 | 13,917,000 | 15,147,000 | 15,618,000 |
| Equity capital | 9,282,000 | 9,628,000 | 9,743,000 | 10,072,000 |
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 | 1,313,000 | 2,608,000 | 3,998,000 | 5,417,000 |
| Interest expense | 421,000 | 809,000 | 1,202,000 | 1,558,000 |
| Net interest income | 892,000 | 1,799,000 | 2,796,000 | 3,859,000 |
| Noninterest income | 36,000 | 75,000 | 120,000 | 186,000 |
| Noninterest expense | 682,000 | 1,376,000 | 2,047,000 | 2,736,000 |
| Provision for loan losses | 15,000 | 15,000 | 37,000 | 65,000 |
| Pretax income | 231,000 | 483,000 | 832,000 | 1,244,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 231,000 | 483,000 | 832,000 | 1,244,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,445,000 | 9,661,000 | 9,719,000 | 9,980,000 |
| Total capital | 10,011,000 | 10,227,000 | 10,307,000 | 10,596,000 |
| Risk-weighted assets | 64,664,000 | 63,465,000 | 66,346,000 | 66,157,000 |