Call reports 2007
NORTHLAND NATIONAL BANK — 2007
What NORTHLAND NATIONAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 84,981,000 | 85,241,000 | 87,323,000 | 87,521,000 |
| Total loans | 48,438,000 | 45,792,000 | 41,916,000 | 40,016,000 |
| Allowance for loan losses | 606,000 | 571,000 | 653,000 | 496,000 |
| Securities available for sale | 21,363,000 | 27,015,000 | 29,260,000 | 30,653,000 |
| Securities held to maturity | 5,697,000 | 6,494,000 | 6,690,000 | 7,870,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,447,000 | 72,166,000 | 73,778,000 | 73,522,000 |
| Interest-bearing deposits | 64,598,000 | 65,224,000 | 66,548,000 | 67,027,000 |
| Noninterest-bearing deposits | 6,849,000 | 6,942,000 | 7,230,000 | 6,495,000 |
| Equity capital | 9,508,000 | 9,537,000 | 9,713,000 | 9,954,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,425,000 | 2,959,000 | 4,363,000 | 5,773,000 |
| Interest expense | 725,000 | 1,491,000 | 2,274,000 | 3,078,000 |
| Net interest income | 700,000 | 1,468,000 | 2,089,000 | 2,695,000 |
| Noninterest income | 64,000 | 129,000 | 208,000 | 273,000 |
| Noninterest expense | 387,000 | 874,000 | 1,272,000 | 1,713,000 |
| Provision for loan losses | 45,000 | 90,000 | 485,000 | 564,000 |
| Pretax income | 332,000 | 633,000 | 540,000 | 691,000 |
| Income tax | 109,000 | 202,000 | 147,000 | 183,000 |
| Net income | 223,000 | 431,000 | 393,000 | 508,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,166,000 | 9,374,000 | 9,335,000 | 9,451,000 |
| Total capital | 9,772,000 | 9,945,000 | 9,932,000 | 9,947,000 |
| Risk-weighted assets | 50,759,000 | 49,854,000 | 47,737,000 | 47,649,000 |
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