Call reports 2015
NORTHERN BANK & TRUST COMPANY — 2015
What NORTHERN BANK & TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 1,293,573,000 | 1,339,525,000 | 1,382,903,000 | 1,407,479,000 |
| Total loans | 1,137,809,000 | 1,174,848,000 | 1,180,043,000 | 1,193,219,000 |
| Allowance for loan losses | 16,250,000 | 16,281,000 | 16,619,000 | 16,850,000 |
| Securities available for sale | 44,734,000 | 39,303,000 | 46,525,000 | 50,462,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,062,649,000 | 1,066,216,000 | 1,175,583,000 | 1,208,863,000 |
| Interest-bearing deposits | 869,005,000 | 852,208,000 | 955,689,000 | 977,242,000 |
| Noninterest-bearing deposits | 193,644,000 | 214,008,000 | 219,894,000 | 231,621,000 |
| Equity capital | 115,675,000 | 120,233,000 | 125,417,000 | 130,184,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 15,148,000 | 30,542,000 | 47,397,000 | 64,313,000 |
| Interest expense | 2,117,000 | 4,241,000 | 6,501,000 | 8,836,000 |
| Net interest income | 13,031,000 | 26,301,000 | 40,896,000 | 55,477,000 |
| Noninterest income | 773,000 | 1,715,000 | 2,642,000 | 3,677,000 |
| Noninterest expense | 6,452,000 | 13,034,000 | 19,704,000 | 26,298,000 |
| Provision for loan losses | -489,000 | -487,000 | -168,000 | 42,000 |
| Pretax income | 7,841,000 | 15,469,000 | 24,002,000 | 32,814,000 |
| Income tax | 3,073,000 | 6,033,000 | 9,375,000 | 13,145,000 |
| Net income | 4,768,000 | 9,436,000 | 14,627,000 | 19,669,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 117,083,000 | 121,740,000 | 126,933,000 | 131,967,000 |
| Total capital | 132,234,000 | 137,667,000 | 142,985,000 | 148,331,000 |
| Risk-weighted assets | 1,210,735,000 | 1,273,572,000 | 1,283,313,000 | 1,308,786,000 |