Call reports 2008
NORTHERN BANK & TRUST COMPANY — 2008
What NORTHERN BANK & TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 476,522,000 | 503,525,000 | 489,767,000 | 508,291,000 |
| Total loans | 408,881,000 | 413,690,000 | 418,857,000 | 440,222,000 |
| Allowance for loan losses | 3,693,000 | 3,843,000 | 4,034,000 | 4,108,000 |
| Securities available for sale | 29,676,000 | 38,621,000 | 20,760,000 | 22,760,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 325,779,000 | 334,384,000 | 330,465,000 | 337,703,000 |
| Interest-bearing deposits | 242,376,000 | 244,498,000 | 238,454,000 | 251,080,000 |
| Noninterest-bearing deposits | 83,403,000 | 89,886,000 | 92,011,000 | 86,623,000 |
| Equity capital | 47,640,000 | 48,616,000 | 49,641,000 | 50,618,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 7,257,000 | 14,428,000 | 21,556,000 | 28,557,000 |
| Interest expense | 2,706,000 | 5,206,000 | 7,699,000 | 10,013,000 |
| Net interest income | 4,551,000 | 9,222,000 | 13,857,000 | 18,544,000 |
| Noninterest income | 644,000 | 1,345,000 | 2,079,000 | 2,895,000 |
| Noninterest expense | 3,326,000 | 6,648,000 | 9,789,000 | 12,828,000 |
| Provision for loan losses | 115,000 | 278,000 | 480,000 | 837,000 |
| Pretax income | 1,754,000 | 3,641,000 | 5,008,000 | 7,071,000 |
| Income tax | 612,000 | 1,270,000 | 1,806,000 | 2,552,000 |
| Net income | 1,142,000 | 2,371,000 | 3,202,000 | 4,519,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,292,000 | 48,565,000 | 49,638,000 | 50,361,000 |
| Total capital | 50,985,000 | 52,408,000 | 53,672,000 | 54,469,000 |
| Risk-weighted assets | 415,320,000 | 425,985,000 | 429,512,000 | 456,225,000 |