Call reports 2002
FIRST NORTHERN BANK OF WYOMING — 2002
What FIRST NORTHERN BANK OF WYOMING reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 106,541,000 | 108,314,000 | 107,276,000 | 106,455,000 |
| Total loans | 70,968,000 | 73,710,000 | 72,790,000 | 71,313,000 |
| Allowance for loan losses | 1,131,000 | 1,177,000 | 1,239,000 | 1,210,000 |
| Securities available for sale | 29,895,000 | 25,689,000 | 26,579,000 | 28,659,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,651,000 | 91,040,000 | 89,779,000 | 92,376,000 |
| Interest-bearing deposits | 83,146,000 | 82,912,000 | 80,696,000 | 83,594,000 |
| Noninterest-bearing deposits | 7,505,000 | 8,127,000 | 9,083,000 | 8,782,000 |
| Equity capital | 9,013,000 | 9,415,000 | 9,788,000 | 10,096,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,959,000 | 3,750,000 | 5,557,000 | 7,327,000 |
| Interest expense | 716,000 | 1,405,000 | 2,074,000 | 2,711,000 |
| Net interest income | 1,243,000 | 2,345,000 | 3,483,000 | 4,616,000 |
| Noninterest income | 93,000 | 183,000 | 297,000 | 379,000 |
| Noninterest expense | 646,000 | 1,306,000 | 1,948,000 | 2,675,000 |
| Provision for loan losses | 82,000 | 210,000 | 288,000 | 357,000 |
| Pretax income | 603,000 | 970,000 | 1,501,000 | 1,961,000 |
| Income tax | 109,000 | 350,000 | 495,000 | 582,000 |
| Net income | 494,000 | 620,000 | 1,006,000 | 1,379,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,911,000 | 8,974,000 | 9,297,000 | 9,608,000 |
| Total capital | 9,835,000 | 9,925,000 | 10,251,000 | 10,542,000 |
| Risk-weighted assets | 74,123,000 | 75,869,000 | 76,024,000 | 74,407,000 |