Call reports 2004
FIRST NORTHERN BANK OF WYOMING — 2004
What FIRST NORTHERN BANK OF WYOMING reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 120,075,000 | 124,713,000 | 130,644,000 | 126,538,000 |
| Total loans | 73,787,000 | 79,275,000 | 77,296,000 | 76,768,000 |
| Allowance for loan losses | 1,235,000 | 1,344,000 | 1,309,000 | 1,307,000 |
| Securities available for sale | 35,951,000 | 34,042,000 | 36,430,000 | 38,389,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,604,000 | 102,827,000 | 107,694,000 | 110,335,000 |
| Interest-bearing deposits | 88,242,000 | 88,940,000 | 94,638,000 | 98,309,000 |
| Noninterest-bearing deposits | 9,362,000 | 13,887,000 | 13,056,000 | 12,026,000 |
| Equity capital | 11,021,000 | 10,659,000 | 11,560,000 | 11,717,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,631,000 | 3,349,000 | 5,139,000 | 6,956,000 |
| Interest expense | 500,000 | 1,001,000 | 1,501,000 | 2,029,000 |
| Net interest income | 1,131,000 | 2,348,000 | 3,638,000 | 4,927,000 |
| Noninterest income | 105,000 | 189,000 | 294,000 | 390,000 |
| Noninterest expense | 744,000 | 1,475,000 | 2,241,000 | 3,071,000 |
| Provision for loan losses | 60,000 | 175,000 | 58,000 | 49,000 |
| Pretax income | 431,000 | 879,000 | 1,586,000 | 2,150,000 |
| Income tax | 105,000 | 241,000 | 414,000 | 657,000 |
| Net income | 326,000 | 638,000 | 1,172,000 | 1,493,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,756,000 | 10,988,000 | 11,442,000 | 11,683,000 |
| Total capital | 11,728,000 | 12,028,000 | 12,491,000 | 12,706,000 |
| Risk-weighted assets | 77,496,000 | 82,888,000 | 83,645,000 | 81,526,000 |