Call reports 2025
NORTHERN STATE BANK — 2025
What NORTHERN STATE BANK 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 | 306,781,000 | 305,579,000 | 327,281,000 | 330,950,000 |
| Total loans | 155,913,000 | 158,167,000 | 157,759,000 | 154,964,000 |
| Allowance for loan losses | 1,559,000 | 1,709,000 | 1,859,000 | 1,542,000 |
| Securities available for sale | 93,607,000 | 95,892,000 | 98,376,000 | 107,872,000 |
| Securities held to maturity | 0 | 0 | 0 | 1,215,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 275,758,000 | 273,305,000 | 293,241,000 | 297,063,000 |
| Interest-bearing deposits | 249,075,000 | 247,774,000 | 265,321,000 | 267,118,000 |
| Noninterest-bearing deposits | 26,683,000 | 25,531,000 | 27,920,000 | 29,945,000 |
| Equity capital | 30,649,000 | 31,780,000 | 32,999,000 | 33,574,000 |
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 | 3,697,000 | 7,443,000 | 11,449,000 | 15,485,000 |
| Interest expense | 834,000 | 1,693,000 | 2,656,000 | 3,660,000 |
| Net interest income | 2,863,000 | 5,750,000 | 8,793,000 | 11,825,000 |
| Noninterest income | 264,000 | 1,078,000 | 1,343,000 | 1,681,000 |
| Noninterest expense | 1,618,000 | 3,419,000 | 5,263,000 | 7,019,000 |
| Provision for loan losses | 104,000 | 254,000 | 403,000 | 553,000 |
| Pretax income | 1,399,000 | 3,149,000 | 4,463,000 | 5,927,000 |
| Income tax | 8,000 | 16,000 | 24,000 | 32,000 |
| Net income | 1,391,000 | 3,133,000 | 4,439,000 | 5,895,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,795,000 | 31,536,000 | 31,842,000 | 32,299,000 |
| Total capital | 32,449,000 | 33,341,000 | 33,797,000 | 33,937,000 |
| Risk-weighted assets | 165,736,000 | 170,800,000 | 175,615,000 | 182,797,000 |