Call reports 2016
NORTHERN BANK & TRUST COMPANY — 2016
What NORTHERN BANK & TRUST COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 1,461,327,000 | 1,516,716,000 | 1,654,311,000 | 1,693,236,000 |
| Total loans | 1,278,829,000 | 1,340,025,000 | 1,448,110,000 | 1,500,018,000 |
| Allowance for loan losses | 18,283,000 | 20,162,000 | 21,314,000 | 21,044,000 |
| Securities available for sale | 50,030,000 | 43,044,000 | 43,781,000 | 47,375,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,240,151,000 | 1,251,370,000 | 1,316,062,000 | 1,341,111,000 |
| Interest-bearing deposits | 966,365,000 | 968,415,000 | 1,064,262,000 | 1,088,289,000 |
| Noninterest-bearing deposits | 273,786,000 | 282,955,000 | 251,800,000 | 252,822,000 |
| Equity capital | 150,381,000 | 159,190,000 | 173,424,000 | 179,330,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 16,455,000 | 34,880,000 | 54,009,000 | 74,886,000 |
| Interest expense | 2,291,000 | 4,596,000 | 7,031,000 | 9,672,000 |
| Net interest income | 14,164,000 | 30,284,000 | 46,978,000 | 65,214,000 |
| Noninterest income | 1,072,000 | 2,222,000 | 3,508,000 | 4,899,000 |
| Noninterest expense | 7,233,000 | 14,592,000 | 22,239,000 | 30,051,000 |
| Provision for loan losses | 1,410,000 | 1,772,000 | 3,406,000 | 4,415,000 |
| Pretax income | 6,593,000 | 16,143,000 | 24,842,000 | 35,648,000 |
| Income tax | 2,559,000 | 6,336,000 | 9,818,000 | 13,830,000 |
| Net income | 4,034,000 | 9,807,000 | 15,024,000 | 21,818,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 152,008,000 | 160,784,000 | 174,999,000 | 181,776,000 |
| Total capital | 169,698,000 | 179,218,000 | 195,119,000 | 202,274,000 |
| Risk-weighted assets | 1,414,542,000 | 1,472,825,000 | 1,608,194,000 | 1,638,943,000 |