Call reports 2007
FIRST NORTHERN BANK OF DIXON — 2007
What FIRST NORTHERN BANK OF DIXON reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 693,961,000 | 693,109,000 | 690,333,000 | 709,895,000 |
| Total loans | 478,376,000 | 497,370,000 | 519,513,000 | 510,190,000 |
| Allowance for loan losses | 7,950,000 | 8,384,000 | 9,153,000 | 10,876,000 |
| Securities available for sale | 80,136,000 | 88,889,000 | 89,377,000 | 74,849,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 615,245,000 | 612,212,000 | 608,998,000 | 623,652,000 |
| Interest-bearing deposits | 435,340,000 | 429,504,000 | 414,871,000 | 429,413,000 |
| Noninterest-bearing deposits | 179,905,000 | 182,708,000 | 194,127,000 | 194,239,000 |
| Equity capital | 62,438,000 | 62,737,000 | 62,884,000 | 62,994,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 12,192,000 | 24,580,000 | 36,901,000 | 48,594,000 |
| Interest expense | 2,969,000 | 6,156,000 | 9,167,000 | 11,738,000 |
| Net interest income | 9,223,000 | 18,424,000 | 27,734,000 | 36,856,000 |
| Noninterest income | 1,498,000 | 3,206,000 | 4,860,000 | 6,522,000 |
| Noninterest expense | 7,618,000 | 15,014,000 | 22,178,000 | 28,689,000 |
| Provision for loan losses | -170,000 | 260,000 | 1,250,000 | 4,795,000 |
| Pretax income | 3,273,000 | 6,356,000 | 9,312,000 | 10,532,000 |
| Income tax | 1,167,000 | 2,246,000 | 3,161,000 | 3,185,000 |
| Net income | 2,106,000 | 4,110,000 | 6,151,000 | 7,347,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,825,000 | 63,827,000 | 63,369,000 | 63,065,000 |
| Total capital | 69,462,000 | 71,114,000 | 70,643,000 | 70,355,000 |
| Risk-weighted assets | 563,877,000 | 580,867,000 | 597,462,000 | 597,714,000 |