Call reports 2025
NORTHERN STATE BANK OF THIEF RIVER FALLS — 2025
What NORTHERN STATE BANK OF THIEF RIVER FALLS 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 | 446,856,000 | 461,451,000 | 446,521,000 | 494,312,000 |
| Total loans | 194,651,000 | 198,896,000 | 197,287,000 | 198,921,000 |
| Allowance for loan losses | 2,702,000 | 2,776,000 | 2,773,000 | 2,543,000 |
| Securities available for sale | 152,110,000 | 112,759,000 | 153,011,000 | 153,349,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 398,549,000 | 411,363,000 | 394,944,000 | 444,828,000 |
| Interest-bearing deposits | 348,272,000 | 363,542,000 | 343,655,000 | 393,459,000 |
| Noninterest-bearing deposits | 50,277,000 | 47,821,000 | 51,289,000 | 51,369,000 |
| Equity capital | 47,026,000 | 48,449,000 | 49,870,000 | 48,065,000 |
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 | 5,558,000 | 11,129,000 | 16,659,000 | 22,469,000 |
| Interest expense | 2,576,000 | 5,176,000 | 7,802,000 | 10,602,000 |
| Net interest income | 2,982,000 | 5,953,000 | 8,857,000 | 11,867,000 |
| Noninterest income | 171,000 | 358,000 | 582,000 | 766,000 |
| Noninterest expense | 1,787,000 | 3,513,000 | 5,274,000 | 7,095,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 20,000 |
| Pretax income | 1,291,000 | 2,648,000 | 3,940,000 | 5,238,000 |
| Income tax | 238,000 | 705,000 | 870,000 | 870,000 |
| Net income | 1,053,000 | 1,943,000 | 3,070,000 | 4,368,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,952,000 | 47,840,000 | 48,967,000 | 46,793,000 |
| Total capital | 49,275,000 | 50,220,000 | 51,327,000 | 49,301,000 |
| Risk-weighted assets | 185,486,000 | 190,030,000 | 188,387,000 | 200,325,000 |