Call reports 2007
NORTHERN BANK & TRUST COMPANY — 2007
What NORTHERN BANK & TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 455,698,000 | 454,720,000 | 455,219,000 | 464,529,000 |
| Total loans | 389,557,000 | 389,295,000 | 401,164,000 | 403,672,000 |
| Allowance for loan losses | 3,414,000 | 3,577,000 | 3,680,000 | 3,682,000 |
| Securities available for sale | 38,646,000 | 38,804,000 | 28,857,000 | 29,116,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 331,498,000 | 328,503,000 | 327,299,000 | 313,239,000 |
| Interest-bearing deposits | 306,608,000 | 294,223,000 | 242,240,000 | 230,846,000 |
| Noninterest-bearing deposits | 24,890,000 | 34,280,000 | 85,059,000 | 82,393,000 |
| Equity capital | 43,381,000 | 44,045,000 | 45,532,000 | 46,571,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 7,274,000 | 14,782,000 | 22,497,000 | 29,985,000 |
| Interest expense | 2,707,000 | 5,567,000 | 8,489,000 | 11,359,000 |
| Net interest income | 4,567,000 | 9,215,000 | 14,008,000 | 18,626,000 |
| Noninterest income | 835,000 | 1,539,000 | 2,240,000 | 2,920,000 |
| Noninterest expense | 3,692,000 | 7,617,000 | 11,044,000 | 14,114,000 |
| Provision for loan losses | 154,000 | 321,000 | 424,000 | 455,000 |
| Pretax income | 1,563,000 | 2,823,000 | 4,787,000 | 6,984,000 |
| Income tax | 522,000 | 924,000 | 1,612,000 | 2,470,000 |
| Net income | 1,041,000 | 1,899,000 | 3,175,000 | 4,514,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,473,000 | 44,331,000 | 45,608,000 | 46,484,000 |
| Total capital | 46,967,000 | 47,984,000 | 49,352,000 | 50,166,000 |
| Risk-weighted assets | 398,540,000 | 399,037,000 | 396,744,000 | 399,720,000 |