Call reports 2004
NORTHLAND NATIONAL BANK — 2004
What NORTHLAND NATIONAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 55,707,000 | 59,916,000 | 60,795,000 | 62,324,000 |
| Total loans | 40,668,000 | 42,804,000 | 46,823,000 | 48,345,000 |
| Allowance for loan losses | 522,000 | 535,000 | 527,000 | 569,000 |
| Securities available for sale | 11,118,000 | 9,070,000 | 9,208,000 | 9,389,000 |
| Securities held to maturity | 1,294,000 | 1,538,000 | 1,631,000 | 1,630,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,381,000 | 50,789,000 | 51,503,000 | 52,335,000 |
| Interest-bearing deposits | 41,454,000 | 43,217,000 | 43,713,000 | 44,456,000 |
| Noninterest-bearing deposits | 6,927,000 | 7,572,000 | 7,790,000 | 7,879,000 |
| Equity capital | 6,671,000 | 6,677,000 | 6,960,000 | 7,112,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 911,000 | 1,848,000 | 2,812,000 | 3,817,000 |
| Interest expense | 370,000 | 758,000 | 1,159,000 | 1,566,000 |
| Net interest income | 541,000 | 1,090,000 | 1,653,000 | 2,251,000 |
| Noninterest income | 42,000 | 85,000 | 129,000 | 170,000 |
| Noninterest expense | 316,000 | 620,000 | 941,000 | 1,265,000 |
| Provision for loan losses | 53,000 | 73,000 | 95,000 | 137,000 |
| Pretax income | 292,000 | 561,000 | 829,000 | 1,102,000 |
| Income tax | 113,000 | 213,000 | 303,000 | 399,000 |
| Net income | 179,000 | 348,000 | 526,000 | 703,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,611,000 | 6,780,000 | 6,958,000 | 7,135,000 |
| Total capital | 7,106,000 | 7,303,000 | 7,485,000 | 7,704,000 |
| Risk-weighted assets | 39,590,000 | 41,811,000 | 44,234,000 | 45,791,000 |
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