Call reports 2009
FIRST NORTHERN BANK OF DIXON — 2009
What FIRST NORTHERN BANK OF DIXON reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 688,400,000 | 715,036,000 | 729,952,000 | 747,621,000 |
| Total loans | 500,205,000 | 504,803,000 | 499,788,000 | 487,934,000 |
| Allowance for loan losses | 14,463,000 | 14,177,000 | 14,179,000 | 11,916,000 |
| Securities available for sale | 47,522,000 | 53,016,000 | 87,218,000 | 75,868,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 590,607,000 | 618,379,000 | 631,811,000 | 653,085,000 |
| Interest-bearing deposits | 424,797,000 | 441,105,000 | 461,905,000 | 471,742,000 |
| Noninterest-bearing deposits | 165,810,000 | 177,274,000 | 169,906,000 | 181,343,000 |
| Equity capital | 78,078,000 | 78,347,000 | 79,951,000 | 76,541,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 8,443,000 | 16,860,000 | 25,056,000 | 33,066,000 |
| Interest expense | 1,220,000 | 2,414,000 | 3,678,000 | 4,960,000 |
| Net interest income | 7,223,000 | 14,446,000 | 21,378,000 | 28,106,000 |
| Noninterest income | 1,029,000 | 3,943,000 | 6,191,000 | 8,099,000 |
| Noninterest expense | 6,912,000 | 15,706,000 | 22,836,000 | 29,930,000 |
| Provision for loan losses | 1,106,000 | 2,267,000 | 3,928,000 | 10,489,000 |
| Pretax income | 234,000 | 680,000 | 1,073,000 | -3,760,000 |
| Income tax | -245,000 | -396,000 | -553,000 | -2,787,000 |
| Net income | 479,000 | 1,076,000 | 1,626,000 | -973,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 74,855,000 | 74,872,000 | 75,961,000 | 73,453,000 |
| Total capital | 81,826,000 | 81,573,000 | 82,696,000 | 79,944,000 |
| Risk-weighted assets | 549,203,000 | 550,881,000 | 530,378,000 | 512,964,000 |