Call reports 2004
NORTHERN STATE BANK OF GONVICK, THE — 2004
What NORTHERN STATE BANK OF GONVICK, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 30,777,000 | 30,181,000 | 29,167,000 | 30,911,000 |
| Total loans | 6,737,000 | 6,742,000 | 6,794,000 | 6,637,000 |
| Allowance for loan losses | 753,000 | 726,000 | 784,000 | 812,000 |
| Securities available for sale | 14,643,000 | 16,321,000 | 14,414,000 | 19,952,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,217,000 | 23,709,000 | 22,452,000 | 24,360,000 |
| Interest-bearing deposits | 21,503,000 | 20,897,000 | 19,957,000 | 21,238,000 |
| Noninterest-bearing deposits | 2,713,000 | 2,812,000 | 2,495,000 | 3,123,000 |
| Equity capital | 6,422,000 | 6,336,000 | 6,579,000 | 6,447,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 267,000 | 574,000 | 840,000 | 1,174,000 |
| Interest expense | 96,000 | 185,000 | 270,000 | 360,000 |
| Net interest income | 171,000 | 389,000 | 570,000 | 814,000 |
| Noninterest income | 56,000 | 74,000 | 101,000 | 122,000 |
| Noninterest expense | 128,000 | 254,000 | 384,000 | 530,000 |
| Provision for loan losses | 30,000 | 39,000 | 48,000 | 48,000 |
| Pretax income | 69,000 | 170,000 | 239,000 | 358,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 69,000 | 170,000 | 239,000 | 358,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,316,000 | 6,417,000 | 6,484,000 | 6,420,000 |
| Total capital | 6,456,000 | 6,557,000 | 6,622,000 | 6,559,000 |
| Risk-weighted assets | 10,613,000 | 10,582,000 | 10,360,000 | 10,486,000 |
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