Call reports 2006
NORTHERN BANK & TRUST COMPANY — 2006
What NORTHERN BANK & TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 428,999,000 | 427,443,000 | 438,071,000 | 441,438,000 |
| Total loans | 354,692,000 | 362,688,000 | 374,535,000 | 377,666,000 |
| Allowance for loan losses | 2,735,000 | 2,872,000 | 3,091,000 | 3,254,000 |
| Securities available for sale | 36,703,000 | 35,671,000 | 37,652,000 | 38,075,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 323,976,000 | 324,243,000 | 339,265,000 | 331,104,000 |
| Interest-bearing deposits | 240,829,000 | 234,557,000 | 313,291,000 | 306,569,000 |
| Noninterest-bearing deposits | 83,147,000 | 89,686,000 | 25,974,000 | 24,535,000 |
| Equity capital | 38,701,000 | 40,021,000 | 41,666,000 | 42,267,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 6,713,000 | 13,708,000 | 20,956,000 | 28,255,000 |
| Interest expense | 2,000,000 | 4,066,000 | 6,346,000 | 8,805,000 |
| Net interest income | 4,713,000 | 9,642,000 | 14,610,000 | 19,450,000 |
| Noninterest income | 670,000 | 1,704,000 | 2,535,000 | 3,429,000 |
| Noninterest expense | 3,359,000 | 6,785,000 | 10,215,000 | 13,620,000 |
| Provision for loan losses | 293,000 | 486,000 | 657,000 | 821,000 |
| Pretax income | 1,731,000 | 4,075,000 | 6,273,000 | 8,438,000 |
| Income tax | 624,000 | 1,498,000 | 2,308,000 | 3,126,000 |
| Net income | 1,107,000 | 2,577,000 | 3,965,000 | 5,312,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,061,000 | 40,735,000 | 41,838,000 | 42,433,000 |
| Total capital | 41,851,000 | 43,661,000 | 44,980,000 | 45,747,000 |
| Risk-weighted assets | 358,087,000 | 365,011,000 | 377,571,000 | 386,015,000 |