Call report 2008Q4
NORTHERN MICHIGAN BANK & TRUST — 2008Q4
The 22 measures NORTHERN MICHIGAN BANK & TRUST reported to the FFIEC for 2008Q4, each linked to its source filing.
Balance sheet
What the bank holds and owes at quarter end
| Measure | Value | Unit | Source |
|---|---|---|---|
| Total assets | 210,680,000 | USD | evidence → |
| Total loans | 158,693,000 | USD | evidence → |
| Allowance for loan losses | 2,090,000 | USD | evidence → |
| Securities available for sale | 33,522,000 | USD | evidence → |
| Securities held to maturity | 76,000 | USD | evidence → |
| Trading assets | 0 | USD | evidence → |
| Total deposits | 189,462,000 | USD | evidence → |
| Interest-bearing deposits | 171,721,000 | USD | evidence → |
| Noninterest-bearing deposits | 17,741,000 | USD | evidence → |
| Equity capital | 17,540,000 | 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 | 12,489,000 | USD | evidence → |
| Interest expense | 4,915,000 | USD | evidence → |
| Net interest income | 7,574,000 | USD | evidence → |
| Noninterest income | 2,327,000 | USD | evidence → |
| Noninterest expense | 7,671,000 | USD | evidence → |
| Provision for loan losses | 170,000 | USD | evidence → |
| Pretax income | 2,060,000 | USD | evidence → |
| Income tax | 0 | USD | evidence → |
| Net income | 2,060,000 | USD | evidence → |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | Value | Unit | Source |
|---|---|---|---|
| Tier 1 capital | 16,745,000 | USD | evidence → |
| Total capital | 18,835,000 | USD | evidence → |
| Risk-weighted assets | 177,315,000 | USD | evidence → |