Call reports 2016
FIRST NORTHERN BANK OF DIXON — 2016
What FIRST NORTHERN BANK OF DIXON reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 1,056,057,000 | 1,070,066,000 | 1,119,143,000 | 1,166,763,000 |
| Total loans | 629,852,000 | 645,674,000 | 656,733,000 | 683,995,000 |
| Allowance for loan losses | 9,607,000 | 10,030,000 | 10,295,000 | 10,899,000 |
| Securities available for sale | 225,712,000 | 235,233,000 | 257,805,000 | 277,079,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 961,185,000 | 972,166,000 | 1,018,902,000 | 1,066,191,000 |
| Interest-bearing deposits | 643,509,000 | 649,435,000 | 682,719,000 | 701,008,000 |
| Noninterest-bearing deposits | 317,676,000 | 322,731,000 | 336,183,000 | 365,183,000 |
| Equity capital | 86,031,000 | 88,352,000 | 90,008,000 | 89,803,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 8,587,000 | 17,469,000 | 26,531,000 | 35,967,000 |
| Interest expense | 286,000 | 559,000 | 848,000 | 1,157,000 |
| Net interest income | 8,301,000 | 16,910,000 | 25,683,000 | 34,810,000 |
| Noninterest income | 1,671,000 | 3,526,000 | 5,204,000 | 7,279,000 |
| Noninterest expense | 6,767,000 | 13,511,000 | 20,065,000 | 27,149,000 |
| Provision for loan losses | 450,000 | 900,000 | 1,350,000 | 1,800,000 |
| Pretax income | 2,769,000 | 6,039,000 | 9,465,000 | 13,139,000 |
| Income tax | 995,000 | 2,204,000 | 3,585,000 | 4,973,000 |
| Net income | 1,774,000 | 3,835,000 | 5,880,000 | 8,166,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 85,874,000 | 87,936,000 | 89,980,000 | 92,153,000 |
| Total capital | 94,965,000 | 97,174,000 | 99,308,000 | 101,991,000 |
| Risk-weighted assets | 725,960,000 | 737,458,000 | 744,394,000 | 785,206,000 |