Call reports 2004
FIRST NORTHERN BANK OF DIXON — 2004
What FIRST NORTHERN BANK OF DIXON reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 556,834,000 | 586,229,000 | 598,309,000 | 628,663,000 |
| Total loans | 385,475,000 | 404,302,000 | 425,825,000 | 440,248,000 |
| Allowance for loan losses | 7,752,000 | 8,197,000 | 8,305,000 | 8,275,000 |
| Securities available for sale | 44,815,000 | 51,955,000 | 49,747,000 | 53,376,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 492,336,000 | 519,740,000 | 530,006,000 | 557,804,000 |
| Interest-bearing deposits | 351,065,000 | 359,809,000 | 367,095,000 | 387,920,000 |
| Noninterest-bearing deposits | 141,271,000 | 159,931,000 | 162,911,000 | 169,884,000 |
| Equity capital | 47,896,000 | 47,680,000 | 49,551,000 | 51,273,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 7,262,000 | 14,762,000 | 22,957,000 | 31,619,000 |
| Interest expense | 774,000 | 1,634,000 | 2,517,000 | 3,426,000 |
| Net interest income | 6,488,000 | 13,128,000 | 20,440,000 | 28,193,000 |
| Noninterest income | 1,140,000 | 2,450,000 | 3,867,000 | 5,211,000 |
| Noninterest expense | 5,180,000 | 10,613,000 | 16,643,000 | 22,777,000 |
| Provision for loan losses | 305,000 | 305,000 | 305,000 | 305,000 |
| Pretax income | 2,143,000 | 4,660,000 | 7,362,000 | 10,325,000 |
| Income tax | 736,000 | 1,628,000 | 2,595,000 | 3,578,000 |
| Net income | 1,407,000 | 3,032,000 | 4,767,000 | 6,747,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,876,000 | 46,496,000 | 48,103,000 | 50,048,000 |
| Total capital | 51,584,000 | 52,447,000 | 54,222,000 | 56,350,000 |
| Risk-weighted assets | 454,564,000 | 473,795,000 | 487,317,000 | 502,224,000 |