Call reports 2007
FIRST NORTHERN BANK OF WYOMING — 2007
What FIRST NORTHERN BANK OF WYOMING reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 160,202,000 | 163,398,000 | 163,984,000 | 182,760,000 |
| Total loans | 88,268,000 | 95,681,000 | 96,082,000 | 90,423,000 |
| Allowance for loan losses | 1,498,000 | 1,630,000 | 1,633,000 | 1,539,000 |
| Securities available for sale | 55,414,000 | 56,730,000 | 56,780,000 | 65,464,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 142,083,000 | 145,471,000 | 144,914,000 | 163,607,000 |
| Interest-bearing deposits | 128,937,000 | 133,462,000 | 132,266,000 | 151,240,000 |
| Noninterest-bearing deposits | 13,146,000 | 12,009,000 | 12,648,000 | 12,367,000 |
| Equity capital | 13,679,000 | 13,340,000 | 14,362,000 | 14,859,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,779,000 | 5,705,000 | 8,793,000 | 11,987,000 |
| Interest expense | 1,294,000 | 2,671,000 | 4,088,000 | 5,611,000 |
| Net interest income | 1,485,000 | 3,034,000 | 4,705,000 | 6,376,000 |
| Noninterest income | 124,000 | 238,000 | 367,000 | 504,000 |
| Noninterest expense | 978,000 | 1,970,000 | 3,016,000 | 4,149,000 |
| Provision for loan losses | 70,000 | 210,000 | 228,000 | 148,000 |
| Pretax income | 491,000 | 1,022,000 | 1,758,000 | 2,516,000 |
| Income tax | 0 | 16,000 | 24,000 | 32,000 |
| Net income | 491,000 | 1,006,000 | 1,734,000 | 2,484,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,689,000 | 13,954,000 | 14,408,000 | 14,536,000 |
| Total capital | 14,962,000 | 15,305,000 | 15,775,000 | 15,891,000 |
| Risk-weighted assets | 101,637,000 | 107,785,000 | 109,099,000 | 108,252,000 |