Call reports 2006
FIRST NORTHERN BANK OF DIXON — 2006
What FIRST NORTHERN BANK OF DIXON reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 661,832,000 | 652,534,000 | 655,817,000 | 685,225,000 |
| Total loans | 475,829,000 | 493,191,000 | 498,804,000 | 488,370,000 |
| Allowance for loan losses | 7,798,000 | 7,923,000 | 8,400,000 | 8,361,000 |
| Securities available for sale | 61,990,000 | 68,089,000 | 68,445,000 | 74,230,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 590,148,000 | 577,250,000 | 577,812,000 | 604,363,000 |
| Interest-bearing deposits | 402,662,000 | 396,480,000 | 402,294,000 | 406,184,000 |
| Noninterest-bearing deposits | 187,486,000 | 180,770,000 | 175,518,000 | 198,179,000 |
| Equity capital | 56,359,000 | 57,788,000 | 60,203,000 | 61,309,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 11,331,000 | 23,227,000 | 35,635,000 | 48,070,000 |
| Interest expense | 1,939,000 | 4,059,000 | 6,610,000 | 9,426,000 |
| Net interest income | 9,392,000 | 19,168,000 | 29,025,000 | 38,644,000 |
| Noninterest income | 1,209,000 | 2,572,000 | 4,018,000 | 5,289,000 |
| Noninterest expense | 7,323,000 | 14,419,000 | 21,645,000 | 29,125,000 |
| Provision for loan losses | -575,000 | -225,000 | 585,000 | 735,000 |
| Pretax income | 3,853,000 | 7,546,000 | 10,813,000 | 14,073,000 |
| Income tax | 1,448,000 | 2,829,000 | 4,026,000 | 5,208,000 |
| Net income | 2,405,000 | 4,717,000 | 6,787,000 | 8,865,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,192,000 | 58,004,000 | 60,076,000 | 61,719,000 |
| Total capital | 62,680,000 | 64,619,000 | 66,749,000 | 68,397,000 |
| Risk-weighted assets | 545,456,000 | 551,885,000 | 560,290,000 | 560,368,000 |