Call reports 2012
NORTHLAND FINANCIAL — 2012
What NORTHLAND FINANCIAL 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 | 184,381,000 | 179,351,000 | 182,612,000 | 192,497,000 |
| Total loans | 127,974,000 | 140,185,000 | 145,300,000 | 146,451,000 |
| Allowance for loan losses | 1,794,000 | 1,867,000 | 1,951,000 | 1,818,000 |
| Securities available for sale | 25,923,000 | 27,561,000 | 24,633,000 | 23,396,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 167,646,000 | 161,873,000 | 164,290,000 | 175,637,000 |
| Interest-bearing deposits | 143,999,000 | 138,591,000 | 141,497,000 | 149,993,000 |
| Noninterest-bearing deposits | 23,647,000 | 23,282,000 | 22,793,000 | 25,644,000 |
| Equity capital | 14,829,000 | 15,391,000 | 16,162,000 | 14,932,000 |
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 | 2,349,000 | 4,805,000 | 7,301,000 | 9,688,000 |
| Interest expense | 534,000 | 1,029,000 | 1,507,000 | 1,949,000 |
| Net interest income | 1,815,000 | 3,776,000 | 5,794,000 | 7,739,000 |
| Noninterest income | 131,000 | 266,000 | 398,000 | 511,000 |
| Noninterest expense | 1,302,000 | 2,719,000 | 4,045,000 | 5,575,000 |
| Provision for loan losses | 94,000 | 189,000 | 283,000 | 377,000 |
| Pretax income | 550,000 | 1,139,000 | 1,869,000 | 2,303,000 |
| Income tax | 33,000 | 69,000 | 115,000 | 146,000 |
| Net income | 517,000 | 1,070,000 | 1,754,000 | 2,157,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,200,000 | 14,754,000 | 15,437,000 | 14,340,000 |
| Total capital | 15,867,000 | 16,573,000 | 17,308,000 | 16,158,000 |
| Risk-weighted assets | 133,247,000 | 145,444,000 | 149,630,000 | 147,596,000 |