Call reports 2025
NORTHERN STATE BANK OF GONVICK, THE — 2025
What NORTHERN STATE BANK OF GONVICK, THE reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 52,435,000 | 50,279,000 | 48,080,000 | 54,598,000 |
| Total loans | 16,726,000 | 16,619,000 | 17,737,000 | 18,087,000 |
| Allowance for loan losses | 612,000 | 616,000 | 616,000 | 586,000 |
| Securities available for sale | 24,559,000 | 22,646,000 | 28,683,000 | 28,732,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,334,000 | 41,898,000 | 39,508,000 | 46,388,000 |
| Interest-bearing deposits | 39,879,000 | 37,891,000 | 35,747,000 | 34,260,000 |
| Noninterest-bearing deposits | 4,455,000 | 4,007,000 | 3,761,000 | 12,128,000 |
| Equity capital | 7,946,000 | 8,176,000 | 8,379,000 | 7,977,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 646,000 | 1,278,000 | 1,887,000 | 2,515,000 |
| Interest expense | 273,000 | 556,000 | 815,000 | 1,080,000 |
| Net interest income | 373,000 | 722,000 | 1,072,000 | 1,435,000 |
| Noninterest income | 12,000 | 26,000 | 38,000 | 52,000 |
| Noninterest expense | 171,000 | 355,000 | 536,000 | 731,000 |
| Provision for loan losses | 0 | 0 | 0 | -20,000 |
| Pretax income | 214,000 | 393,000 | 574,000 | 756,000 |
| Income tax | 28,000 | 73,000 | 100,000 | 100,000 |
| Net income | 186,000 | 320,000 | 474,000 | 656,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,951,000 | 8,084,000 | 8,238,000 | 7,768,000 |
| Total capital | 8,158,000 | 8,281,000 | 8,449,000 | 7,981,000 |
| Risk-weighted assets | 16,199,000 | 15,342,000 | 16,517,000 | 16,696,000 |