Call reports 2012
NORTHERN BANK & TRUST COMPANY — 2012
What NORTHERN BANK & TRUST COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 751,241,000 | 758,825,000 | 825,854,000 | 893,778,000 |
| Total loans | 633,638,000 | 677,443,000 | 739,249,000 | 796,315,000 |
| Allowance for loan losses | 9,580,000 | 10,509,000 | 11,282,000 | 12,166,000 |
| Securities available for sale | 24,678,000 | 23,171,000 | 19,788,000 | 27,633,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 597,660,000 | 598,587,000 | 660,410,000 | 724,330,000 |
| Interest-bearing deposits | 489,278,000 | 476,992,000 | 540,540,000 | 594,348,000 |
| Noninterest-bearing deposits | 108,382,000 | 121,595,000 | 119,870,000 | 129,982,000 |
| Equity capital | 73,498,000 | 75,886,000 | 78,547,000 | 80,174,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 9,452,000 | 19,240,000 | 29,505,000 | 40,657,000 |
| Interest expense | 1,561,000 | 2,981,000 | 4,524,000 | 6,026,000 |
| Net interest income | 7,891,000 | 16,259,000 | 24,981,000 | 34,631,000 |
| Noninterest income | 595,000 | 1,231,000 | 2,222,000 | 3,199,000 |
| Noninterest expense | 4,391,000 | 8,761,000 | 13,365,000 | 17,860,000 |
| Provision for loan losses | 1,025,000 | 1,877,000 | 2,812,000 | 3,712,000 |
| Pretax income | 3,070,000 | 6,852,000 | 11,026,000 | 16,302,000 |
| Income tax | 1,100,000 | 2,477,000 | 4,014,000 | 6,002,000 |
| Net income | 1,970,000 | 4,375,000 | 7,012,000 | 10,300,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 73,474,000 | 75,878,000 | 78,522,000 | 80,998,000 |
| Total capital | 81,833,000 | 84,751,000 | 88,129,000 | 91,321,000 |
| Risk-weighted assets | 667,536,000 | 708,255,000 | 766,946,000 | 824,006,000 |