Call reports 2009
NORTHERN STATE BANK OF GONVICK, THE — 2009
What NORTHERN STATE BANK OF GONVICK, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 34,600,000 | 34,984,000 | 33,527,000 | 34,388,000 |
| Total loans | 5,786,000 | 6,132,000 | 6,019,000 | 6,258,000 |
| Allowance for loan losses | 764,000 | 759,000 | 770,000 | 761,000 |
| Securities available for sale | 18,835,000 | 12,450,000 | 13,727,000 | 12,563,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,721,000 | 28,078,000 | 26,625,000 | 27,569,000 |
| Interest-bearing deposits | 25,001,000 | 25,133,000 | 23,672,000 | 22,775,000 |
| Noninterest-bearing deposits | 2,721,000 | 2,945,000 | 2,953,000 | 4,794,000 |
| Equity capital | 6,742,000 | 6,723,000 | 6,713,000 | 6,725,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 322,000 | 585,000 | 842,000 | 1,072,000 |
| Interest expense | 109,000 | 211,000 | 311,000 | 396,000 |
| Net interest income | 213,000 | 374,000 | 531,000 | 676,000 |
| Noninterest income | 15,000 | 34,000 | 54,000 | 74,000 |
| Noninterest expense | 148,000 | 297,000 | 491,000 | 641,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 80,000 | 111,000 | 94,000 | 192,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 80,000 | 111,000 | 94,000 | 192,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,464,000 | 6,494,000 | 6,477,000 | 6,575,000 |
| Total capital | 6,583,000 | 6,603,000 | 6,585,000 | 6,686,000 |
| Risk-weighted assets | 8,840,000 | 8,073,000 | 8,008,000 | 8,233,000 |