Call reports 2009
NORTHERN BANK & TRUST COMPANY — 2009
What NORTHERN BANK & TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 554,941,000 | 574,133,000 | 566,585,000 | 573,685,000 |
| Total loans | 450,904,000 | 479,878,000 | 490,055,000 | 498,050,000 |
| Allowance for loan losses | 4,495,000 | 4,865,000 | 6,679,000 | 5,582,000 |
| Securities available for sale | 22,920,000 | 23,069,000 | 17,628,000 | 23,465,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 392,469,000 | 420,675,000 | 413,597,000 | 403,513,000 |
| Interest-bearing deposits | 305,794,000 | 329,028,000 | 318,732,000 | 311,568,000 |
| Noninterest-bearing deposits | 86,675,000 | 91,647,000 | 94,865,000 | 91,945,000 |
| Equity capital | 51,620,000 | 52,502,000 | 53,158,000 | 54,841,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 6,900,000 | 14,126,000 | 21,858,000 | 29,749,000 |
| Interest expense | 2,375,000 | 4,739,000 | 6,902,000 | 8,867,000 |
| Net interest income | 4,525,000 | 9,387,000 | 14,956,000 | 20,882,000 |
| Noninterest income | 663,000 | 1,437,000 | 2,093,000 | 3,590,000 |
| Noninterest expense | 3,460,000 | 7,324,000 | 11,076,000 | 14,861,000 |
| Provision for loan losses | 393,000 | 789,000 | 2,612,000 | 3,213,000 |
| Pretax income | 1,335,000 | 2,711,000 | 3,361,000 | 6,398,000 |
| Income tax | 427,000 | 856,000 | 993,000 | 2,106,000 |
| Net income | 908,000 | 1,855,000 | 2,368,000 | 4,292,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,281,000 | 52,224,000 | 52,738,000 | 55,120,000 |
| Total capital | 55,776,000 | 57,089,000 | 59,156,000 | 60,702,000 |
| Risk-weighted assets | 470,128,000 | 503,014,000 | 513,215,000 | 521,630,000 |