Call reports 2003
NORTHERN STATE BANK OF GONVICK, THE — 2003
What NORTHERN STATE BANK OF GONVICK, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 32,430,000 | 31,660,000 | 31,124,000 | 31,898,000 |
| Total loans | 8,329,000 | 8,507,000 | 8,041,000 | 7,379,000 |
| Allowance for loan losses | 622,000 | 735,000 | 795,000 | 674,000 |
| Securities available for sale | 16,708,000 | 13,466,000 | 18,316,000 | 15,172,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,688,000 | 24,927,000 | 24,409,000 | 25,369,000 |
| Interest-bearing deposits | 22,425,000 | 22,729,000 | 22,140,000 | 22,584,000 |
| Noninterest-bearing deposits | 3,263,000 | 2,198,000 | 2,269,000 | 2,785,000 |
| Equity capital | 6,571,000 | 6,558,000 | 6,540,000 | 6,362,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 324,000 | 652,000 | 998,000 | 1,269,000 |
| Interest expense | 128,000 | 248,000 | 360,000 | 466,000 |
| Net interest income | 196,000 | 404,000 | 638,000 | 803,000 |
| Noninterest income | 24,000 | 46,000 | 72,000 | 102,000 |
| Noninterest expense | 131,000 | 268,000 | 407,000 | 556,000 |
| Provision for loan losses | 90,000 | 180,000 | 210,000 | 240,000 |
| Pretax income | -1,000 | 2,000 | 93,000 | 109,000 |
| Income tax | 0 | 0 | 0 | -1,000 |
| Net income | -1,000 | 2,000 | 93,000 | 110,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,260,000 | 6,262,000 | 6,310,000 | 6,246,000 |
| Total capital | 6,422,000 | 6,423,000 | 6,465,000 | 6,396,000 |
| Risk-weighted assets | 12,471,000 | 12,302,000 | 11,774,000 | 11,472,000 |
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