Call reports 2006
FIRST NORTHERN BANK OF WYOMING — 2006
What FIRST NORTHERN BANK OF WYOMING reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 137,833,000 | 141,404,000 | 147,792,000 | 163,206,000 |
| Total loans | 83,306,000 | 82,874,000 | 84,404,000 | 84,403,000 |
| Allowance for loan losses | 1,415,000 | 1,411,000 | 1,427,000 | 1,425,000 |
| Securities available for sale | 46,285,000 | 43,572,000 | 49,303,000 | 52,518,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,076,000 | 124,522,000 | 129,874,000 | 145,421,000 |
| Interest-bearing deposits | 108,906,000 | 110,435,000 | 113,193,000 | 130,247,000 |
| Noninterest-bearing deposits | 12,170,000 | 14,087,000 | 16,681,000 | 15,174,000 |
| Equity capital | 12,290,000 | 12,297,000 | 13,197,000 | 13,364,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,187,000 | 4,471,000 | 6,896,000 | 9,605,000 |
| Interest expense | 849,000 | 1,760,000 | 2,770,000 | 3,955,000 |
| Net interest income | 1,338,000 | 2,711,000 | 4,126,000 | 5,650,000 |
| Noninterest income | 136,000 | 297,000 | 436,000 | 551,000 |
| Noninterest expense | 879,000 | 1,784,000 | 2,723,000 | 3,705,000 |
| Provision for loan losses | 75,000 | 80,000 | 115,000 | 119,000 |
| Pretax income | 513,000 | 1,072,000 | 1,652,000 | 2,308,000 |
| Income tax | 7,000 | 0 | 0 | 13,000 |
| Net income | 506,000 | 1,072,000 | 1,652,000 | 2,295,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,798,000 | 13,069,000 | 13,387,000 | 13,474,000 |
| Total capital | 13,918,000 | 14,200,000 | 14,562,000 | 14,720,000 |
| Risk-weighted assets | 89,293,000 | 90,214,000 | 93,783,000 | 99,494,000 |