Call reports 2003
FIRST NORTHERN BANK OF WYOMING — 2003
What FIRST NORTHERN BANK OF WYOMING reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 113,138,000 | 114,856,000 | 113,822,000 | 115,095,000 |
| Total loans | 72,423,000 | 72,328,000 | 71,273,000 | 70,523,000 |
| Allowance for loan losses | 1,225,000 | 1,238,000 | 1,219,000 | 1,195,000 |
| Securities available for sale | 28,286,000 | 27,151,000 | 32,094,000 | 35,970,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,246,000 | 95,711,000 | 94,835,000 | 98,213,000 |
| Interest-bearing deposits | 87,722,000 | 84,542,000 | 84,185,000 | 88,052,000 |
| Noninterest-bearing deposits | 9,524,000 | 11,169,000 | 10,650,000 | 10,161,000 |
| Equity capital | 10,198,000 | 10,496,000 | 10,470,000 | 10,578,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,694,000 | 3,338,000 | 5,035,000 | 6,626,000 |
| Interest expense | 604,000 | 1,178,000 | 1,716,000 | 2,232,000 |
| Net interest income | 1,090,000 | 2,160,000 | 3,319,000 | 4,394,000 |
| Noninterest income | 65,000 | 163,000 | 256,000 | 346,000 |
| Noninterest expense | 684,000 | 1,447,000 | 2,188,000 | 3,044,000 |
| Provision for loan losses | 65,000 | 98,000 | 19,000 | -12,000 |
| Pretax income | 406,000 | 777,000 | 1,369,000 | 1,707,000 |
| Income tax | 116,000 | 215,000 | 330,000 | 505,000 |
| Net income | 290,000 | 562,000 | 1,039,000 | 1,202,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,822,000 | 10,020,000 | 10,422,000 | 10,510,000 |
| Total capital | 10,772,000 | 10,962,000 | 11,368,000 | 11,455,000 |
| Risk-weighted assets | 75,697,000 | 75,027,000 | 75,396,000 | 75,327,000 |