Call reports 2009
NORTHLAND NATIONAL BANK — 2009
What NORTHLAND NATIONAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 72,903,000 | 68,705,000 | 64,305,000 | 61,100,000 |
| Total loans | 30,923,000 | 26,531,000 | 24,541,000 | 22,732,000 |
| Allowance for loan losses | 1,386,000 | 1,675,000 | 1,080,000 | 1,283,000 |
| Securities available for sale | 30,626,000 | 26,210,000 | 29,085,000 | 25,319,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,394,000 | 60,408,000 | 56,246,000 | 52,627,000 |
| Interest-bearing deposits | 58,070,000 | 54,923,000 | 50,573,000 | 46,526,000 |
| Noninterest-bearing deposits | 5,324,000 | 5,485,000 | 5,673,000 | 6,101,000 |
| Equity capital | 7,453,000 | 6,900,000 | 6,682,000 | 7,191,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 806,000 | 1,535,000 | 2,156,000 | 2,801,000 |
| Interest expense | 626,000 | 1,198,000 | 1,706,000 | 2,127,000 |
| Net interest income | 180,000 | 337,000 | 450,000 | 674,000 |
| Noninterest income | -11,000 | 29,000 | -242,000 | -210,000 |
| Noninterest expense | 710,000 | 1,778,000 | 3,024,000 | 3,671,000 |
| Provision for loan losses | 486,000 | 1,747,000 | 2,234,000 | 2,354,000 |
| Pretax income | -1,027,000 | -3,159,000 | -5,050,000 | -5,561,000 |
| Income tax | -64,000 | -43,000 | -43,000 | -1,113,000 |
| Net income | -963,000 | -3,116,000 | -5,007,000 | -4,448,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,815,000 | 6,462,000 | 6,121,000 | 6,680,000 |
| Total capital | 7,277,000 | 6,891,000 | 6,440,000 | 7,064,000 |
| Risk-weighted assets | 36,086,000 | 33,062,000 | 30,790,000 | 29,843,000 |
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