Call reports 2005
NORTHERN STATE BANK OF GONVICK, THE — 2005
What NORTHERN STATE BANK OF GONVICK, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 28,890,000 | 29,055,000 | 28,759,000 | 31,720,000 |
| Total loans | 6,165,000 | 6,596,000 | 6,966,000 | 6,660,000 |
| Allowance for loan losses | 836,000 | 857,000 | 880,000 | 600,000 |
| Securities available for sale | 20,410,000 | 19,516,000 | 19,582,000 | 20,156,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,463,000 | 22,584,000 | 22,200,000 | 24,974,000 |
| Interest-bearing deposits | 20,037,000 | 20,156,000 | 19,844,000 | 21,857,000 |
| Noninterest-bearing deposits | 2,426,000 | 2,429,000 | 2,356,000 | 3,116,000 |
| Equity capital | 6,306,000 | 6,333,000 | 6,383,000 | 6,618,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 335,000 | 648,000 | 973,000 | 1,310,000 |
| Interest expense | 94,000 | 197,000 | 310,000 | 437,000 |
| Net interest income | 241,000 | 451,000 | 663,000 | 873,000 |
| Noninterest income | 17,000 | 36,000 | 55,000 | 68,000 |
| Noninterest expense | 137,000 | 268,000 | 420,000 | 532,000 |
| Provision for loan losses | 0 | 0 | 0 | -300,000 |
| Pretax income | 121,000 | 219,000 | 298,000 | 709,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 121,000 | 219,000 | 298,000 | 709,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,359,000 | 6,379,000 | 6,458,000 | 6,714,000 |
| Total capital | 6,489,000 | 6,513,000 | 6,595,000 | 6,854,000 |
| Risk-weighted assets | 9,670,000 | 10,033,000 | 10,222,000 | 10,767,000 |
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