Call reports 2003
FIRST NORTHERN BANK OF DIXON — 2003
What FIRST NORTHERN BANK OF DIXON reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 499,974,000 | 517,797,000 | 533,835,000 | 558,709,000 |
| Total loans | 363,533,000 | 382,657,000 | 365,864,000 | 386,828,000 |
| Allowance for loan losses | 7,980,000 | 8,005,000 | 8,330,000 | 7,738,000 |
| Securities available for sale | 66,090,000 | 63,681,000 | 56,472,000 | 48,927,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 449,652,000 | 459,953,000 | 476,215,000 | 499,411,000 |
| Interest-bearing deposits | 320,996,000 | 316,968,000 | 335,056,000 | 353,836,000 |
| Noninterest-bearing deposits | 128,656,000 | 142,985,000 | 141,159,000 | 145,575,000 |
| Equity capital | 43,500,000 | 45,241,000 | 45,608,000 | 46,410,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 7,542,000 | 15,047,000 | 22,938,000 | 30,326,000 |
| Interest expense | 786,000 | 1,535,000 | 2,318,000 | 3,109,000 |
| Net interest income | 6,756,000 | 13,512,000 | 20,620,000 | 27,217,000 |
| Noninterest income | 1,652,000 | 3,748,000 | 5,141,000 | 6,367,000 |
| Noninterest expense | 5,627,000 | 11,475,000 | 17,260,000 | 22,731,000 |
| Provision for loan losses | 670,000 | 1,240,000 | 1,560,000 | 2,230,000 |
| Pretax income | 2,422,000 | 4,870,000 | 7,323,000 | 9,416,000 |
| Income tax | 840,000 | 1,694,000 | 2,556,000 | 3,270,000 |
| Net income | 1,582,000 | 3,176,000 | 4,767,000 | 6,146,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,477,000 | 42,058,000 | 43,108,000 | 44,473,000 |
| Total capital | 45,331,000 | 47,207,000 | 48,420,000 | 50,095,000 |
| Risk-weighted assets | 385,201,000 | 409,076,000 | 421,942,000 | 447,654,000 |
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