Call reports 2015
FIRST NORTHERN BANK OF DIXON — 2015
What FIRST NORTHERN BANK OF DIXON reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 995,371,000 | 1,002,114,000 | 1,037,676,000 | 1,044,625,000 |
| Total loans | 550,013,000 | 580,132,000 | 602,104,000 | 615,455,000 |
| Allowance for loan losses | 8,894,000 | 9,106,000 | 9,360,000 | 9,251,000 |
| Securities available for sale | 163,587,000 | 156,213,000 | 134,582,000 | 183,351,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 897,506,000 | 902,376,000 | 935,380,000 | 950,358,000 |
| Interest-bearing deposits | 596,811,000 | 598,932,000 | 614,568,000 | 634,807,000 |
| Noninterest-bearing deposits | 300,695,000 | 303,444,000 | 320,812,000 | 315,551,000 |
| Equity capital | 90,030,000 | 91,215,000 | 93,024,000 | 83,605,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 7,759,000 | 15,983,000 | 24,404,000 | 33,128,000 |
| Interest expense | 293,000 | 586,000 | 857,000 | 1,154,000 |
| Net interest income | 7,466,000 | 15,397,000 | 23,547,000 | 31,974,000 |
| Noninterest income | 1,892,000 | 3,914,000 | 5,781,000 | 7,567,000 |
| Noninterest expense | 6,689,000 | 13,862,000 | 20,809,000 | 28,118,000 |
| Provision for loan losses | 350,000 | 350,000 | 650,000 | 650,000 |
| Pretax income | 2,319,000 | 5,099,000 | 7,910,000 | 10,814,000 |
| Income tax | 786,000 | 1,762,000 | 2,753,000 | 3,803,000 |
| Net income | 1,533,000 | 3,337,000 | 5,157,000 | 7,011,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 89,204,000 | 91,234,000 | 93,244,000 | 84,100,000 |
| Total capital | 96,949,000 | 99,310,000 | 101,621,000 | 92,823,000 |
| Risk-weighted assets | 617,736,000 | 644,077,000 | 668,380,000 | 696,547,000 |