Call reports 2005
FIRST NORTHERN BANK OF WYOMING — 2005
What FIRST NORTHERN BANK OF WYOMING reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 124,853,000 | 125,018,000 | 154,730,000 | 137,339,000 |
| Total loans | 79,546,000 | 80,665,000 | 79,033,000 | 78,768,000 |
| Allowance for loan losses | 1,354,000 | 1,374,000 | 1,343,000 | 1,335,000 |
| Securities available for sale | 38,533,000 | 37,834,000 | 40,870,000 | 46,059,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,507,000 | 108,487,000 | 137,889,000 | 120,819,000 |
| Interest-bearing deposits | 97,573,000 | 95,759,000 | 102,119,000 | 105,165,000 |
| Noninterest-bearing deposits | 10,934,000 | 12,728,000 | 35,770,000 | 15,654,000 |
| Equity capital | 11,768,000 | 12,070,000 | 12,302,000 | 12,143,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,755,000 | 3,578,000 | 5,502,000 | 7,582,000 |
| Interest expense | 532,000 | 1,111,000 | 1,774,000 | 2,525,000 |
| Net interest income | 1,223,000 | 2,467,000 | 3,728,000 | 5,057,000 |
| Noninterest income | 122,000 | 242,000 | 376,000 | 489,000 |
| Noninterest expense | 837,000 | 1,652,000 | 2,480,000 | 3,376,000 |
| Provision for loan losses | 47,000 | 94,000 | 83,000 | 73,000 |
| Pretax income | 418,000 | 920,000 | 1,501,000 | 2,043,000 |
| Income tax | 115,000 | 169,000 | 198,000 | 198,000 |
| Net income | 303,000 | 751,000 | 1,303,000 | 1,845,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,986,000 | 12,101,000 | 12,473,000 | 12,555,000 |
| Total capital | 13,030,000 | 13,153,000 | 13,593,000 | 13,636,000 |
| Risk-weighted assets | 83,186,000 | 83,869,000 | 89,387,000 | 86,214,000 |