Call reports 2002
FIRST NORTHERN BANK OF DIXON — 2002
What FIRST NORTHERN BANK OF DIXON reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 436,286,000 | 449,886,000 | 473,433,000 | 495,221,000 |
| Total loans | 284,036,000 | 304,204,000 | 337,532,000 | 362,303,000 |
| Allowance for loan losses | 6,925,000 | 6,963,000 | 7,242,000 | 7,285,000 |
| Securities available for sale | 88,118,000 | 87,645,000 | 73,433,000 | 69,029,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 390,939,000 | 401,958,000 | 423,766,000 | 443,432,000 |
| Interest-bearing deposits | 284,284,000 | 291,054,000 | 306,640,000 | 314,929,000 |
| Noninterest-bearing deposits | 106,655,000 | 110,904,000 | 117,126,000 | 128,503,000 |
| Equity capital | 39,015,000 | 40,666,000 | 41,108,000 | 42,251,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 6,724,000 | 13,833,000 | 21,238,000 | 28,941,000 |
| Interest expense | 1,213,000 | 2,280,000 | 3,310,000 | 4,237,000 |
| Net interest income | 5,511,000 | 11,553,000 | 17,928,000 | 24,704,000 |
| Noninterest income | 994,000 | 2,129,000 | 3,270,000 | 4,511,000 |
| Noninterest expense | 4,638,000 | 9,689,000 | 15,000,000 | 20,526,000 |
| Provision for loan losses | 0 | 0 | 270,000 | 521,000 |
| Pretax income | 1,892,000 | 4,031,000 | 6,358,000 | 8,630,000 |
| Income tax | 627,000 | 1,366,000 | 2,126,000 | 2,888,000 |
| Net income | 1,265,000 | 2,665,000 | 4,232,000 | 5,742,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,168,000 | 37,818,000 | 37,385,000 | 38,895,000 |
| Total capital | 41,158,000 | 42,187,000 | 42,049,000 | 43,693,000 |
| Risk-weighted assets | 316,275,000 | 346,908,000 | 370,540,000 | 381,342,000 |