Call reports 2015
NORTHERN STATE BANK OF GONVICK, THE — 2015
What NORTHERN STATE BANK OF GONVICK, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 37,459,000 | 36,022,000 | 35,297,000 | 37,974,000 |
| Total loans | 5,771,000 | 5,963,000 | 6,340,000 | 6,957,000 |
| Allowance for loan losses | 736,000 | 738,000 | 740,000 | 760,000 |
| Securities available for sale | 10,164,000 | 9,352,000 | 9,862,000 | 9,814,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,100,000 | 29,678,000 | 28,949,000 | 31,718,000 |
| Interest-bearing deposits | 23,084,000 | 22,806,000 | 23,890,000 | 24,255,000 |
| Noninterest-bearing deposits | 8,016,000 | 6,872,000 | 5,059,000 | 7,463,000 |
| Equity capital | 6,300,000 | 6,272,000 | 6,243,000 | 6,227,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 133,000 | 263,000 | 394,000 | 529,000 |
| Interest expense | 19,000 | 37,000 | 55,000 | 72,000 |
| Net interest income | 114,000 | 226,000 | 339,000 | 457,000 |
| Noninterest income | 12,000 | 25,000 | 39,000 | 53,000 |
| Noninterest expense | 127,000 | 263,000 | 425,000 | 533,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -1,000 | -12,000 | -47,000 | -23,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -1,000 | -12,000 | -47,000 | -23,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,237,000 | 6,226,000 | 6,192,000 | 6,214,000 |
| Total capital | 6,327,000 | 6,316,000 | 6,288,000 | 6,321,000 |
| Risk-weighted assets | 6,583,000 | 6,566,000 | 7,085,000 | 7,946,000 |