Call report 2004Q4
NORTHERN MICHIGAN BANK & TRUST — 2004Q4
The 22 measures NORTHERN MICHIGAN BANK & TRUST reported to the FFIEC for 2004Q4, each linked to its source filing.
Balance sheet
What the bank holds and owes at quarter end
| Measure | Value | Unit | Source |
|---|---|---|---|
| Total assets | 161,204,000 | USD | evidence → |
| Total loans | 127,964,000 | USD | evidence → |
| Allowance for loan losses | 2,035,000 | USD | evidence → |
| Securities available for sale | 12,580,000 | USD | evidence → |
| Securities held to maturity | 108,000 | USD | evidence → |
| Trading assets | 0 | USD | evidence → |
| Total deposits | 141,400,000 | USD | evidence → |
| Interest-bearing deposits | 121,535,000 | USD | evidence → |
| Noninterest-bearing deposits | 19,865,000 | USD | evidence → |
| Equity capital | 13,583,000 | 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 | 9,063,000 | USD | evidence → |
| Interest expense | 2,320,000 | USD | evidence → |
| Net interest income | 6,743,000 | USD | evidence → |
| Noninterest income | 2,485,000 | USD | evidence → |
| Noninterest expense | 6,736,000 | USD | evidence → |
| Provision for loan losses | 550,000 | USD | evidence → |
| Pretax income | 1,942,000 | USD | evidence → |
| Income tax | 0 | USD | evidence → |
| Net income | 1,942,000 | USD | evidence → |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | Value | Unit | Source |
|---|---|---|---|
| Tier 1 capital | 13,494,000 | USD | evidence → |
| Total capital | 15,301,000 | USD | evidence → |
| Risk-weighted assets | 144,328,000 | USD | evidence → |