Call reports 2002
NORTHERN BANK & TRUST COMPANY — 2002
What NORTHERN BANK & TRUST COMPANY reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 279,951,000 | 290,199,000 | 304,296,000 | 308,480,000 |
| Total loans | 201,932,000 | 210,900,000 | 222,261,000 | 220,468,000 |
| Allowance for loan losses | 1,398,000 | 1,428,000 | 1,513,000 | 1,563,000 |
| Securities available for sale | 48,001,000 | 43,448,000 | 42,423,000 | 41,964,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 240,081,000 | 249,923,000 | 256,455,000 | 259,841,000 |
| Interest-bearing deposits | 167,933,000 | 169,987,000 | 178,737,000 | 184,400,000 |
| Noninterest-bearing deposits | 72,148,000 | 79,936,000 | 77,718,000 | 75,441,000 |
| Equity capital | 22,414,000 | 24,002,000 | 25,498,000 | 26,223,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 4,573,000 | 9,173,000 | 13,880,000 | 18,621,000 |
| Interest expense | 1,078,000 | 2,079,000 | 3,122,000 | 4,093,000 |
| Net interest income | 3,495,000 | 7,094,000 | 10,758,000 | 14,528,000 |
| Noninterest income | 430,000 | 903,000 | 1,398,000 | 1,903,000 |
| Noninterest expense | 2,412,000 | 4,782,000 | 7,177,000 | 9,700,000 |
| Provision for loan losses | 30,000 | 60,000 | 100,000 | 161,000 |
| Pretax income | 1,483,000 | 3,174,000 | 4,898,000 | 6,589,000 |
| Income tax | 516,000 | 1,113,000 | 1,728,000 | 2,301,000 |
| Net income | 967,000 | 2,061,000 | 3,170,000 | 4,288,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,849,000 | 22,937,000 | 24,043,000 | 24,902,000 |
| Total capital | 23,247,000 | 24,365,000 | 25,556,000 | 26,465,000 |
| Risk-weighted assets | 207,435,000 | 215,804,000 | 227,457,000 | 229,878,000 |