Call reports 2012
FIRST NORTHERN BANK OF DIXON — 2012
What FIRST NORTHERN BANK OF DIXON reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 793,513,000 | 785,049,000 | 805,565,000 | 831,483,000 |
| Total loans | 429,841,000 | 450,945,000 | 460,549,000 | 453,562,000 |
| Allowance for loan losses | 10,357,000 | 9,784,000 | 9,817,000 | 8,554,000 |
| Securities available for sale | 187,580,000 | 183,330,000 | 182,943,000 | 184,491,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 695,575,000 | 692,268,000 | 710,673,000 | 735,449,000 |
| Interest-bearing deposits | 486,325,000 | 481,029,000 | 486,342,000 | 500,068,000 |
| Noninterest-bearing deposits | 209,250,000 | 211,239,000 | 224,331,000 | 235,381,000 |
| Equity capital | 84,047,000 | 85,534,000 | 87,195,000 | 87,972,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 6,957,000 | 14,005,000 | 21,157,000 | 28,259,000 |
| Interest expense | 564,000 | 1,071,000 | 1,446,000 | 1,802,000 |
| Net interest income | 6,393,000 | 12,934,000 | 19,711,000 | 26,457,000 |
| Noninterest income | 2,124,000 | 4,465,000 | 6,771,000 | 9,434,000 |
| Noninterest expense | 6,465,000 | 12,956,000 | 19,405,000 | 26,148,000 |
| Provision for loan losses | 550,000 | 1,226,000 | 2,051,000 | 3,276,000 |
| Pretax income | 1,503,000 | 3,218,000 | 5,027,000 | 6,475,000 |
| Income tax | 395,000 | 882,000 | 1,475,000 | 1,767,000 |
| Net income | 1,108,000 | 2,336,000 | 3,552,000 | 4,708,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 77,498,000 | 79,138,000 | 80,361,000 | 82,477,000 |
| Total capital | 83,220,000 | 85,178,000 | 86,547,000 | 88,607,000 |
| Risk-weighted assets | 452,357,000 | 478,707,000 | 490,427,000 | 487,219,000 |