Call reports 2010
NORTHERN BANK & TRUST COMPANY — 2010
What NORTHERN BANK & TRUST COMPANY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 606,452,000 | 634,508,000 | 644,721,000 | 670,070,000 |
| Total loans | 498,749,000 | 515,031,000 | 524,379,000 | 566,959,000 |
| Allowance for loan losses | 5,959,000 | 6,298,000 | 6,959,000 | 8,481,000 |
| Securities available for sale | 20,958,000 | 38,312,000 | 38,559,000 | 40,754,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 437,619,000 | 467,185,000 | 476,929,000 | 504,783,000 |
| Interest-bearing deposits | 347,264,000 | 372,245,000 | 383,307,000 | 402,829,000 |
| Noninterest-bearing deposits | 90,355,000 | 94,940,000 | 93,622,000 | 101,954,000 |
| Equity capital | 56,345,000 | 58,183,000 | 59,949,000 | 61,376,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 8,034,000 | 16,209,000 | 24,756,000 | 33,609,000 |
| Interest expense | 1,946,000 | 4,001,000 | 6,010,000 | 7,994,000 |
| Net interest income | 6,088,000 | 12,208,000 | 18,746,000 | 25,615,000 |
| Noninterest income | 644,000 | 1,321,000 | 1,954,000 | 2,753,000 |
| Noninterest expense | 4,112,000 | 8,045,000 | 11,705,000 | 14,974,000 |
| Provision for loan losses | 374,000 | 753,000 | 1,409,000 | 2,935,000 |
| Pretax income | 2,252,000 | 4,737,000 | 7,592,000 | 10,459,000 |
| Income tax | 793,000 | 1,684,000 | 2,722,000 | 3,759,000 |
| Net income | 1,459,000 | 3,053,000 | 4,870,000 | 6,700,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,580,000 | 58,173,000 | 59,980,000 | 61,599,000 |
| Total capital | 62,539,000 | 64,472,000 | 66,939,000 | 69,196,000 |
| Risk-weighted assets | 530,239,000 | 552,201,000 | 564,005,000 | 606,868,000 |