Call reports 2005
FIRST NORTHERN BANK OF DIXON — 2005
What FIRST NORTHERN BANK OF DIXON reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 635,418,000 | 631,713,000 | 649,657,000 | 660,647,000 |
| Total loans | 463,729,000 | 460,488,000 | 460,635,000 | 468,418,000 |
| Allowance for loan losses | 8,062,000 | 8,076,000 | 7,948,000 | 7,917,000 |
| Securities available for sale | 52,046,000 | 48,732,000 | 44,743,000 | 46,706,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 563,945,000 | 559,247,000 | 575,089,000 | 582,932,000 |
| Interest-bearing deposits | 395,014,000 | 376,767,000 | 384,372,000 | 389,345,000 |
| Noninterest-bearing deposits | 168,931,000 | 182,480,000 | 190,717,000 | 193,587,000 |
| Equity capital | 52,423,000 | 52,745,000 | 54,044,000 | 55,651,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 9,154,000 | 19,176,000 | 29,766,000 | 40,903,000 |
| Interest expense | 1,069,000 | 2,359,000 | 3,927,000 | 5,730,000 |
| Net interest income | 8,085,000 | 16,817,000 | 25,839,000 | 35,173,000 |
| Noninterest income | 1,219,000 | 2,564,000 | 4,055,000 | 5,706,000 |
| Noninterest expense | 6,346,000 | 13,142,000 | 19,880,000 | 26,717,000 |
| Provision for loan losses | 519,000 | 69,000 | 0 | 600,000 |
| Pretax income | 2,439,000 | 6,170,000 | 10,029,000 | 13,577,000 |
| Income tax | 734,000 | 2,123,000 | 3,551,000 | 4,832,000 |
| Net income | 1,705,000 | 4,047,000 | 6,478,000 | 8,745,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,749,000 | 52,089,000 | 53,512,000 | 55,287,000 |
| Total capital | 58,272,000 | 58,611,000 | 59,752,000 | 61,672,000 |
| Risk-weighted assets | 519,352,000 | 519,297,000 | 521,524,000 | 532,416,000 |
Machine access — free, no API key
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