Call reports 2004
NORTHERN BANK & TRUST COMPANY — 2004
What NORTHERN BANK & TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 333,329,000 | 346,927,000 | 360,870,000 | 361,070,000 |
| Total loans | 262,455,000 | 274,402,000 | 280,903,000 | 290,955,000 |
| Allowance for loan losses | 1,784,000 | 1,853,000 | 1,909,000 | 2,012,000 |
| Securities available for sale | 40,211,000 | 37,740,000 | 38,864,000 | 34,336,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 260,260,000 | 267,190,000 | 274,813,000 | 271,969,000 |
| Interest-bearing deposits | 178,838,000 | 181,928,000 | 186,051,000 | 188,396,000 |
| Noninterest-bearing deposits | 81,422,000 | 85,262,000 | 88,762,000 | 83,573,000 |
| Equity capital | 30,417,000 | 31,203,000 | 32,259,000 | 33,128,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 4,648,000 | 9,357,000 | 14,230,000 | 19,276,000 |
| Interest expense | 776,000 | 1,591,000 | 2,497,000 | 3,433,000 |
| Net interest income | 3,872,000 | 7,766,000 | 11,733,000 | 15,843,000 |
| Noninterest income | 690,000 | 1,213,000 | 1,780,000 | 2,313,000 |
| Noninterest expense | 2,535,000 | 5,179,000 | 7,834,000 | 10,495,000 |
| Provision for loan losses | 77,000 | 139,000 | 203,000 | 268,000 |
| Pretax income | 2,235,000 | 3,946,000 | 5,771,000 | 7,408,000 |
| Income tax | 793,000 | 1,387,000 | 2,023,000 | 2,600,000 |
| Net income | 1,442,000 | 2,559,000 | 3,748,000 | 4,808,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,828,000 | 31,015,000 | 31,955,000 | 32,913,000 |
| Total capital | 31,612,000 | 32,868,000 | 33,864,000 | 34,925,000 |
| Risk-weighted assets | 260,583,000 | 279,774,000 | 281,873,000 | 291,094,000 |