Call reports 2008
FIRST NORTHERN BANK OF DIXON — 2008
What FIRST NORTHERN BANK OF DIXON reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 680,557,000 | 661,361,000 | 657,517,000 | 670,796,000 |
| Total loans | 497,435,000 | 525,479,000 | 543,760,000 | 533,595,000 |
| Allowance for loan losses | 11,647,000 | 12,096,000 | 13,438,000 | 14,435,000 |
| Securities available for sale | 62,166,000 | 56,053,000 | 43,452,000 | 42,106,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 601,327,000 | 574,602,000 | 559,265,000 | 585,095,000 |
| Interest-bearing deposits | 421,486,000 | 401,247,000 | 397,660,000 | 403,118,000 |
| Noninterest-bearing deposits | 179,841,000 | 173,355,000 | 161,605,000 | 181,977,000 |
| Equity capital | 62,242,000 | 60,585,000 | 61,815,000 | 61,646,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 10,683,000 | 20,201,000 | 30,057,000 | 38,871,000 |
| Interest expense | 1,998,000 | 3,500,000 | 5,029,000 | 6,375,000 |
| Net interest income | 8,685,000 | 16,701,000 | 25,028,000 | 32,496,000 |
| Noninterest income | 1,692,000 | 2,928,000 | 3,943,000 | 5,744,000 |
| Noninterest expense | 7,142,000 | 14,432,000 | 20,736,000 | 27,527,000 |
| Provision for loan losses | 3,659,000 | 6,422,000 | 10,060,000 | 16,164,000 |
| Pretax income | 87,000 | -730,000 | -1,301,000 | -4,882,000 |
| Income tax | 10,000 | 35,000 | -1,525,000 | -3,582,000 |
| Net income | 77,000 | -765,000 | 224,000 | -1,300,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,145,000 | 61,141,000 | 63,035,000 | 58,377,000 |
| Total capital | 69,357,000 | 68,531,000 | 70,515,000 | 65,724,000 |
| Risk-weighted assets | 571,478,000 | 585,356,000 | 591,479,000 | 579,686,000 |