Call reports 2013
NORTHERN BANK & TRUST COMPANY — 2013
What NORTHERN BANK & TRUST COMPANY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 891,127,000 | 946,925,000 | 1,031,053,000 | 1,095,500,000 |
| Total loans | 803,906,000 | 849,145,000 | 904,779,000 | 923,593,000 |
| Allowance for loan losses | 12,943,000 | 13,640,000 | 13,970,000 | 15,662,000 |
| Securities available for sale | 29,803,000 | 32,962,000 | 32,399,000 | 33,994,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 729,597,000 | 790,058,000 | 837,313,000 | 927,864,000 |
| Interest-bearing deposits | 603,800,000 | 655,120,000 | 672,876,000 | 765,860,000 |
| Noninterest-bearing deposits | 125,797,000 | 134,938,000 | 164,437,000 | 162,004,000 |
| Equity capital | 82,848,000 | 86,257,000 | 93,005,000 | 95,782,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 10,846,000 | 23,141,000 | 35,222,000 | 47,990,000 |
| Interest expense | 1,499,000 | 3,068,000 | 4,748,000 | 6,612,000 |
| Net interest income | 9,347,000 | 20,073,000 | 30,474,000 | 41,378,000 |
| Noninterest income | 864,000 | 1,781,000 | 2,648,000 | 3,487,000 |
| Noninterest expense | 5,083,000 | 10,361,000 | 15,670,000 | 20,350,000 |
| Provision for loan losses | 750,000 | 1,480,000 | 2,067,000 | 3,767,000 |
| Pretax income | 4,378,000 | 10,013,000 | 15,385,000 | 20,748,000 |
| Income tax | 1,647,000 | 3,818,000 | 5,888,000 | 7,957,000 |
| Net income | 2,731,000 | 6,195,000 | 9,497,000 | 12,791,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 83,722,000 | 87,152,000 | 93,951,000 | 97,216,000 |
| Total capital | 94,175,000 | 98,192,000 | 105,664,000 | 109,138,000 |
| Risk-weighted assets | 833,787,000 | 880,580,000 | 933,913,000 | 949,752,000 |