Call report 2003Q4
NORTHERN MICHIGAN BANK & TRUST — 2003Q4
The 22 measures NORTHERN MICHIGAN BANK & TRUST reported to the FFIEC for 2003Q4, each linked to its source filing.
Balance sheet
What the bank holds and owes at quarter end
| Measure | Value | Unit | Source |
|---|---|---|---|
| Total assets | 158,181,000 | USD | evidence → |
| Total loans | 121,459,000 | USD | evidence → |
| Allowance for loan losses | 1,698,000 | USD | evidence → |
| Securities available for sale | 17,699,000 | USD | evidence → |
| Securities held to maturity | 124,000 | USD | evidence → |
| Trading assets | 0 | USD | evidence → |
| Total deposits | 139,503,000 | USD | evidence → |
| Interest-bearing deposits | 119,923,000 | USD | evidence → |
| Noninterest-bearing deposits | 19,581,000 | USD | evidence → |
| Equity capital | 12,791,000 | USD | evidence → |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | Value | Unit | Source |
|---|---|---|---|
| Interest income | 9,571,000 | USD | evidence → |
| Interest expense | 2,431,000 | USD | evidence → |
| Net interest income | 7,140,000 | USD | evidence → |
| Noninterest income | 2,770,000 | USD | evidence → |
| Noninterest expense | 6,586,000 | USD | evidence → |
| Provision for loan losses | 600,000 | USD | evidence → |
| Pretax income | 2,736,000 | USD | evidence → |
| Income tax | 0 | USD | evidence → |
| Net income | 2,736,000 | USD | evidence → |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | Value | Unit | Source |
|---|---|---|---|
| Tier 1 capital | 12,719,000 | USD | evidence → |
| Total capital | 14,417,000 | USD | evidence → |
| Risk-weighted assets | 136,702,000 | USD | evidence → |