Call reports 2016
NORTHERN STATE BANK OF GONVICK, THE — 2016
What NORTHERN STATE BANK OF GONVICK, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 37,226,000 | 35,964,000 | 39,849,000 | 43,415,000 |
| Total loans | 7,081,000 | 7,753,000 | 7,233,000 | 7,618,000 |
| Allowance for loan losses | 758,000 | 701,000 | 706,000 | 700,000 |
| Securities available for sale | 9,828,000 | 9,721,000 | 8,675,000 | 13,631,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,924,000 | 29,604,000 | 33,459,000 | 37,059,000 |
| Interest-bearing deposits | 22,998,000 | 22,863,000 | 27,806,000 | 28,800,000 |
| Noninterest-bearing deposits | 7,926,000 | 6,741,000 | 5,653,000 | 8,259,000 |
| Equity capital | 6,254,000 | 6,293,000 | 6,303,000 | 6,330,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 149,000 | 302,000 | 448,000 | 612,000 |
| Interest expense | 18,000 | 34,000 | 51,000 | 68,000 |
| Net interest income | 131,000 | 268,000 | 397,000 | 544,000 |
| Noninterest income | 16,000 | 30,000 | 43,000 | 56,000 |
| Noninterest expense | 145,000 | 262,000 | 384,000 | 493,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,000 | 36,000 | 56,000 | 107,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,000 | 36,000 | 56,000 | 107,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,217,000 | 6,252,000 | 6,272,000 | 6,322,000 |
| Total capital | 6,321,000 | 6,362,000 | 6,375,000 | 6,465,000 |
| Risk-weighted assets | 7,709,000 | 8,256,000 | 7,714,000 | 10,955,000 |