Call reports 2008
FIRST NORTHERN BANK OF WYOMING — 2008
What FIRST NORTHERN BANK OF WYOMING reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 183,940,000 | 180,249,000 | 182,685,000 | 193,445,000 |
| Total loans | 93,115,000 | 96,709,000 | 105,163,000 | 101,165,000 |
| Allowance for loan losses | 1,535,000 | 1,550,000 | 1,625,000 | 1,670,000 |
| Securities available for sale | 72,488,000 | 70,716,000 | 64,158,000 | 59,443,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 164,049,000 | 156,162,000 | 166,584,000 | 176,568,000 |
| Interest-bearing deposits | 153,053,000 | 144,304,000 | 153,651,000 | 160,985,000 |
| Noninterest-bearing deposits | 10,996,000 | 11,858,000 | 12,933,000 | 15,583,000 |
| Equity capital | 15,462,000 | 14,644,000 | 14,534,000 | 15,833,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,106,000 | 6,109,000 | 9,072,000 | 11,651,000 |
| Interest expense | 1,564,000 | 2,987,000 | 4,263,000 | 5,335,000 |
| Net interest income | 1,542,000 | 3,122,000 | 4,809,000 | 6,316,000 |
| Noninterest income | 150,000 | 288,000 | 392,000 | 544,000 |
| Noninterest expense | 1,125,000 | 2,298,000 | 3,642,000 | 4,710,000 |
| Provision for loan losses | 15,000 | 103,000 | 176,000 | 311,000 |
| Pretax income | 551,000 | 1,012,000 | 1,339,000 | 1,798,000 |
| Income tax | 8,000 | 0 | 0 | 0 |
| Net income | 543,000 | 1,012,000 | 1,339,000 | 1,798,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,829,000 | 15,037,000 | 15,180,000 | 15,218,000 |
| Total capital | 16,229,000 | 16,454,000 | 16,675,000 | 16,701,000 |
| Risk-weighted assets | 111,878,000 | 113,189,000 | 119,495,000 | 118,431,000 |