Call reports 2013
FIRST NORTHERN BANK OF DIXON — 2013
What FIRST NORTHERN BANK OF DIXON reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 852,552,000 | 844,664,000 | 876,020,000 | 897,669,000 |
| Total loans | 452,312,000 | 480,159,000 | 507,839,000 | 517,466,000 |
| Allowance for loan losses | 8,846,000 | 8,726,000 | 8,792,000 | 9,353,000 |
| Securities available for sale | 201,861,000 | 190,769,000 | 187,007,000 | 173,269,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 766,028,000 | 758,452,000 | 787,548,000 | 807,769,000 |
| Interest-bearing deposits | 510,210,000 | 503,636,000 | 525,162,000 | 528,956,000 |
| Noninterest-bearing deposits | 255,818,000 | 254,816,000 | 262,386,000 | 278,813,000 |
| Equity capital | 79,078,000 | 78,262,000 | 79,784,000 | 81,070,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 6,869,000 | 14,016,000 | 21,351,000 | 28,859,000 |
| Interest expense | 334,000 | 646,000 | 952,000 | 1,265,000 |
| Net interest income | 6,535,000 | 13,370,000 | 20,399,000 | 27,594,000 |
| Noninterest income | 2,617,000 | 5,166,000 | 7,439,000 | 9,296,000 |
| Noninterest expense | 6,734,000 | 13,536,000 | 20,441,000 | 27,343,000 |
| Provision for loan losses | 400,000 | 800,000 | 800,000 | 1,200,000 |
| Pretax income | 2,022,000 | 4,204,000 | 6,601,000 | 8,351,000 |
| Income tax | 647,000 | 1,358,000 | 2,371,000 | 2,900,000 |
| Net income | 1,375,000 | 2,846,000 | 4,230,000 | 5,451,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 74,256,000 | 75,822,000 | 77,699,000 | 81,478,000 |
| Total capital | 80,447,000 | 82,416,000 | 84,592,000 | 88,470,000 |
| Risk-weighted assets | 491,897,000 | 524,622,000 | 548,753,000 | 556,216,000 |