Call reports 2025
STATE BANK OF BOTTINEAU — 2025
What STATE BANK OF BOTTINEAU 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 | 110,744,000 | 113,010,000 | 120,130,000 | 119,525,000 |
| Total loans | 94,627,000 | 102,981,000 | 106,556,000 | 98,993,000 |
| Allowance for loan losses | 1,448,000 | 1,365,000 | 1,585,000 | 1,672,000 |
| Securities available for sale | 1,080,000 | 1,047,000 | 1,042,000 | 1,039,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,888,000 | 93,690,000 | 96,379,000 | 100,423,000 |
| Interest-bearing deposits | 72,202,000 | 72,123,000 | 71,768,000 | 74,675,000 |
| Noninterest-bearing deposits | 26,686,000 | 21,567,000 | 24,611,000 | 25,748,000 |
| Equity capital | 9,084,000 | 9,412,000 | 9,788,000 | 10,171,000 |
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 | 1,595,000 | 3,274,000 | 5,110,000 | 6,869,000 |
| Interest expense | 552,000 | 1,129,000 | 1,812,000 | 2,434,000 |
| Net interest income | 1,043,000 | 2,145,000 | 3,298,000 | 4,435,000 |
| Noninterest income | 84,000 | 160,000 | 236,000 | 303,000 |
| Noninterest expense | 689,000 | 1,425,000 | 2,160,000 | 2,938,000 |
| Provision for loan losses | 15,000 | 50,000 | 95,000 | 140,000 |
| Pretax income | 423,000 | 830,000 | 1,279,000 | 1,660,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 423,000 | 830,000 | 1,279,000 | 1,660,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,083,000 | 9,415,000 | 9,789,000 | 10,170,000 |
| Total capital | 10,216,000 | 10,598,000 | 11,044,000 | 11,388,000 |
| Risk-weighted assets | 90,378,000 | 94,511,000 | 100,083,000 | 96,992,000 |