Call reports 2009
FIRST NATIONAL BANK OF THE NORTH — 2009
What FIRST NATIONAL BANK OF THE NORTH reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 63,117,000 | 63,061,000 | 63,688,000 | 63,078,000 |
| Total loans | 48,641,000 | 49,337,000 | 49,550,000 | 50,378,000 |
| Allowance for loan losses | 344,000 | 329,000 | 327,000 | 483,000 |
| Securities available for sale | 6,702,000 | 7,026,000 | 6,614,000 | 4,696,000 |
| Securities held to maturity | 2,773,000 | 2,779,000 | 2,778,000 | 2,780,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,664,000 | 56,536,000 | 57,772,000 | 57,407,000 |
| Interest-bearing deposits | 52,925,000 | 51,903,000 | 53,272,000 | 52,662,000 |
| Noninterest-bearing deposits | 4,739,000 | 4,633,000 | 4,500,000 | 4,745,000 |
| Equity capital | 5,364,000 | 5,553,000 | 5,850,000 | 5,608,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 958,000 | 1,948,000 | 2,963,000 | 3,941,000 |
| Interest expense | 242,000 | 483,000 | 721,000 | 951,000 |
| Net interest income | 716,000 | 1,465,000 | 2,242,000 | 2,990,000 |
| Noninterest income | 25,000 | 60,000 | 115,000 | 165,000 |
| Noninterest expense | 506,000 | 1,061,000 | 1,567,000 | 2,304,000 |
| Provision for loan losses | 45,000 | 250,000 | 262,000 | 442,000 |
| Pretax income | 177,000 | 197,000 | 511,000 | 405,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 177,000 | 197,000 | 511,000 | 405,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,418,000 | 5,438,000 | 5,752,000 | 5,457,000 |
| Total capital | 5,762,000 | 5,767,000 | 6,079,000 | 5,940,000 |
| Risk-weighted assets | 47,178,000 | 47,671,000 | 47,787,000 | 48,487,000 |