Call reports 2009
FIRST NORTHERN BANK OF WYOMING — 2009
What FIRST NORTHERN BANK OF WYOMING reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 181,929,000 | 184,207,000 | 192,881,000 | 187,072,000 |
| Total loans | 112,971,000 | 122,845,000 | 122,072,000 | 119,411,000 |
| Allowance for loan losses | 2,002,000 | 2,078,000 | 2,172,000 | 2,275,000 |
| Securities available for sale | 58,310,000 | 48,937,000 | 52,081,000 | 51,101,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 163,742,000 | 166,405,000 | 171,561,000 | 169,370,000 |
| Interest-bearing deposits | 150,529,000 | 153,985,000 | 157,965,000 | 153,874,000 |
| Noninterest-bearing deposits | 13,213,000 | 12,420,000 | 13,596,000 | 15,496,000 |
| Equity capital | 16,380,000 | 16,355,000 | 16,991,000 | 16,809,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,096,000 | 5,953,000 | 8,816,000 | 11,594,000 |
| Interest expense | 984,000 | 1,878,000 | 2,653,000 | 3,387,000 |
| Net interest income | 2,112,000 | 4,075,000 | 6,163,000 | 8,207,000 |
| Noninterest income | 145,000 | 286,000 | 489,000 | 740,000 |
| Noninterest expense | 1,396,000 | 3,030,000 | 4,649,000 | 6,170,000 |
| Provision for loan losses | 450,000 | 600,000 | 780,000 | 890,000 |
| Pretax income | 410,000 | 690,000 | 1,211,000 | 1,909,000 |
| Income tax | 5,000 | 6,000 | 6,000 | 5,000 |
| Net income | 405,000 | 684,000 | 1,205,000 | 1,904,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,478,000 | 15,758,000 | 15,918,000 | 16,347,000 |
| Total capital | 17,041,000 | 17,375,000 | 17,521,000 | 17,939,000 |
| Risk-weighted assets | 124,579,000 | 128,897,000 | 127,635,000 | 126,665,000 |