Call reports 2004
NORTHERN NATIONAL BANK — 2004
What NORTHERN NATIONAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 82,478,000 | 92,290,000 | 95,199,000 | 96,656,000 |
| Total loans | 69,784,000 | 77,756,000 | 82,435,000 | 84,278,000 |
| Allowance for loan losses | 936,000 | 964,000 | 984,000 | 1,011,000 |
| Securities available for sale | 5,290,000 | 5,962,000 | 6,969,000 | 6,743,000 |
| Securities held to maturity | 86,000 | 86,000 | 86,000 | 86,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,983,000 | 77,304,000 | 75,971,000 | 79,424,000 |
| Interest-bearing deposits | 54,654,000 | 61,336,000 | 60,814,000 | 65,789,000 |
| Noninterest-bearing deposits | 11,329,000 | 15,968,000 | 15,157,000 | 13,635,000 |
| Equity capital | 7,840,000 | 7,987,000 | 8,507,000 | 8,863,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,126,000 | 2,370,000 | 3,666,000 | 5,063,000 |
| Interest expense | 282,000 | 577,000 | 887,000 | 1,230,000 |
| Net interest income | 844,000 | 1,793,000 | 2,779,000 | 3,833,000 |
| Noninterest income | 85,000 | 262,000 | 392,000 | 552,000 |
| Noninterest expense | 703,000 | 1,442,000 | 2,181,000 | 2,987,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 204,000 | 563,000 | 901,000 | 1,280,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 2,000 |
| Net income | 202,000 | 561,000 | 899,000 | 1,278,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,677,000 | 8,035,000 | 8,374,000 | 8,753,000 |
| Total capital | 8,518,000 | 8,985,000 | 9,358,000 | 9,764,000 |
| Risk-weighted assets | 67,165,000 | 75,960,000 | 80,340,000 | 83,301,000 |