Call reports 2014
NORTHERN BANK & TRUST COMPANY — 2014
What NORTHERN BANK & TRUST COMPANY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 1,139,487,000 | 1,198,411,000 | 1,240,596,000 | 1,280,676,000 |
| Total loans | 959,365,000 | 976,257,000 | 1,037,881,000 | 1,121,135,000 |
| Allowance for loan losses | 16,570,000 | 17,274,000 | 15,066,000 | 15,274,000 |
| Securities available for sale | 37,276,000 | 40,301,000 | 40,903,000 | 45,431,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 963,557,000 | 1,026,391,000 | 1,072,637,000 | 1,031,688,000 |
| Interest-bearing deposits | 796,925,000 | 852,782,000 | 868,264,000 | 845,301,000 |
| Noninterest-bearing deposits | 166,632,000 | 173,609,000 | 204,373,000 | 186,387,000 |
| Equity capital | 97,936,000 | 101,909,000 | 108,526,000 | 113,759,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 12,978,000 | 27,125,000 | 40,545,000 | 55,484,000 |
| Interest expense | 1,861,000 | 3,834,000 | 5,901,000 | 7,958,000 |
| Net interest income | 11,117,000 | 23,291,000 | 34,644,000 | 47,526,000 |
| Noninterest income | 607,000 | 1,302,000 | 2,113,000 | 3,497,000 |
| Noninterest expense | 5,781,000 | 11,589,000 | 17,308,000 | 22,623,000 |
| Provision for loan losses | 902,000 | 1,605,000 | 1,969,000 | 2,132,000 |
| Pretax income | 5,041,000 | 11,399,000 | 17,480,000 | 26,268,000 |
| Income tax | 1,947,000 | 4,422,000 | 6,798,000 | 10,395,000 |
| Net income | 3,094,000 | 6,977,000 | 10,682,000 | 15,873,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 99,351,000 | 103,252,000 | 109,954,000 | 115,178,000 |
| Total capital | 111,751,000 | 115,893,000 | 123,383,000 | 129,583,000 |
| Risk-weighted assets | 987,555,000 | 1,006,382,000 | 1,072,443,000 | 1,151,302,000 |