Call reports 2003
NORTHERN BANK & TRUST COMPANY — 2003
What NORTHERN BANK & TRUST COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 309,574,000 | 332,073,000 | 328,444,000 | 329,404,000 |
| Total loans | 224,950,000 | 237,981,000 | 243,205,000 | 256,594,000 |
| Allowance for loan losses | 1,624,000 | 1,674,000 | 1,704,000 | 1,724,000 |
| Securities available for sale | 43,692,000 | 49,170,000 | 44,895,000 | 42,955,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 259,554,000 | 281,748,000 | 268,534,000 | 259,159,000 |
| Interest-bearing deposits | 179,994,000 | 191,608,000 | 179,220,000 | 178,383,000 |
| Noninterest-bearing deposits | 79,560,000 | 90,140,000 | 89,314,000 | 80,776,000 |
| Equity capital | 27,232,000 | 28,151,000 | 29,019,000 | 29,132,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 4,493,000 | 9,037,000 | 13,597,000 | 18,158,000 |
| Interest expense | 826,000 | 1,627,000 | 2,416,000 | 3,191,000 |
| Net interest income | 3,667,000 | 7,410,000 | 11,181,000 | 14,967,000 |
| Noninterest income | 429,000 | 909,000 | 1,334,000 | 1,794,000 |
| Noninterest expense | 2,500,000 | 5,048,000 | 7,552,000 | 10,367,000 |
| Provision for loan losses | 60,000 | 110,000 | 140,000 | 177,000 |
| Pretax income | 1,536,000 | 3,161,000 | 4,823,000 | 6,217,000 |
| Income tax | 543,000 | 1,108,000 | 1,693,000 | 2,168,000 |
| Net income | 993,000 | 2,053,000 | 3,130,000 | 4,049,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,900,000 | 26,886,000 | 27,984,000 | 28,421,000 |
| Total capital | 27,524,000 | 28,560,000 | 29,688,000 | 30,145,000 |
| Risk-weighted assets | 236,579,000 | 249,516,000 | 248,210,000 | 252,131,000 |