Call reports 2005
NORTHERN BANK & TRUST COMPANY — 2005
What NORTHERN BANK & TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 378,733,000 | 389,331,000 | 407,025,000 | 417,893,000 |
| Total loans | 307,053,000 | 311,455,000 | 334,966,000 | 352,384,000 |
| Allowance for loan losses | 2,100,000 | 2,205,000 | 2,301,000 | 2,609,000 |
| Securities available for sale | 37,505,000 | 36,220,000 | 40,944,000 | 38,032,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 274,564,000 | 292,903,000 | 303,061,000 | 314,411,000 |
| Interest-bearing deposits | 189,539,000 | 207,256,000 | 279,050,000 | 289,927,000 |
| Noninterest-bearing deposits | 85,025,000 | 85,647,000 | 24,011,000 | 24,484,000 |
| Equity capital | 34,160,000 | 35,581,000 | 36,719,000 | 37,685,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 5,305,000 | 10,882,000 | 16,832,000 | 23,417,000 |
| Interest expense | 1,010,000 | 2,326,000 | 3,855,000 | 5,556,000 |
| Net interest income | 4,295,000 | 8,556,000 | 12,977,000 | 17,861,000 |
| Noninterest income | 498,000 | 1,135,000 | 1,724,000 | 2,384,000 |
| Noninterest expense | 2,708,000 | 5,492,000 | 8,432,000 | 11,600,000 |
| Provision for loan losses | 92,000 | 198,000 | 309,000 | 625,000 |
| Pretax income | 1,993,000 | 4,001,000 | 5,960,000 | 8,020,000 |
| Income tax | 699,000 | 1,393,000 | 2,066,000 | 2,809,000 |
| Net income | 1,294,000 | 2,608,000 | 3,894,000 | 5,211,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,208,000 | 35,522,000 | 36,825,000 | 37,911,000 |
| Total capital | 36,323,000 | 37,728,000 | 39,139,000 | 40,545,000 |
| Risk-weighted assets | 309,089,000 | 317,540,000 | 343,730,000 | 356,545,000 |