Call reports 2005
NORTHLAND NATIONAL BANK — 2005
What NORTHLAND NATIONAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 67,261,000 | 68,972,000 | 69,538,000 | 73,793,000 |
| Total loans | 48,173,000 | 51,175,000 | 51,623,000 | 49,537,000 |
| Allowance for loan losses | 399,000 | 585,000 | 610,000 | 625,000 |
| Securities available for sale | 9,690,000 | 11,198,000 | 10,991,000 | 14,517,000 |
| Securities held to maturity | 2,631,000 | 3,169,000 | 3,166,000 | 4,344,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,198,000 | 57,545,000 | 57,845,000 | 61,970,000 |
| Interest-bearing deposits | 48,202,000 | 49,886,000 | 50,273,000 | 54,224,000 |
| Noninterest-bearing deposits | 7,996,000 | 7,659,000 | 7,573,000 | 7,746,000 |
| Equity capital | 7,174,000 | 7,458,000 | 7,624,000 | 7,833,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,052,000 | 2,194,000 | 3,378,000 | 4,607,000 |
| Interest expense | 454,000 | 930,000 | 1,385,000 | 1,879,000 |
| Net interest income | 598,000 | 1,264,000 | 1,993,000 | 2,728,000 |
| Noninterest income | 39,000 | 84,000 | 134,000 | 184,000 |
| Noninterest expense | 324,000 | 654,000 | 994,000 | 1,335,000 |
| Provision for loan losses | 40,000 | 100,000 | 160,000 | 220,000 |
| Pretax income | 273,000 | 594,000 | 973,000 | 1,357,000 |
| Income tax | 98,000 | 212,000 | 351,000 | 487,000 |
| Net income | 175,000 | 382,000 | 622,000 | 870,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,277,000 | 7,484,000 | 7,724,000 | 7,972,000 |
| Total capital | 7,676,000 | 8,069,000 | 8,334,000 | 8,591,000 |
| Risk-weighted assets | 47,358,000 | 48,983,000 | 49,193,000 | 49,496,000 |
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