Call reports 2018
NORTHERN BANK & TRUST COMPANY — 2018
What NORTHERN BANK & TRUST COMPANY reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 2,081,357,000 | 2,106,012,000 | 2,142,433,000 | 2,162,309,000 |
| Total loans | 1,837,047,000 | 1,873,857,000 | 1,887,109,000 | 1,913,618,000 |
| Allowance for loan losses | 23,478,000 | 28,731,000 | 23,978,000 | 24,167,000 |
| Securities available for sale | 57,560,000 | 54,141,000 | 53,695,000 | 49,760,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,686,515,000 | 1,783,549,000 | 1,862,271,000 | 1,792,253,000 |
| Interest-bearing deposits | 1,391,994,000 | 1,486,355,000 | 1,529,069,000 | 1,475,721,000 |
| Noninterest-bearing deposits | 294,521,000 | 297,194,000 | 333,202,000 | 316,532,000 |
| Equity capital | 208,785,000 | 210,919,000 | 215,500,000 | 226,302,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 25,862,000 | 51,468,000 | 78,995,000 | 107,626,000 |
| Interest expense | 4,457,000 | 9,398,000 | 15,320,000 | 21,317,000 |
| Net interest income | 21,405,000 | 42,070,000 | 63,675,000 | 86,309,000 |
| Noninterest income | 1,193,000 | 2,514,000 | 3,953,000 | 5,177,000 |
| Noninterest expense | 9,397,000 | 19,065,000 | 29,032,000 | 40,549,000 |
| Provision for loan losses | 325,000 | 5,541,000 | 8,150,000 | 8,328,000 |
| Pretax income | 12,852,000 | 19,945,000 | 30,402,000 | 42,574,000 |
| Income tax | 3,398,000 | 5,293,000 | 8,097,000 | 11,457,000 |
| Net income | 9,454,000 | 14,652,000 | 22,305,000 | 31,117,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 213,336,000 | 215,533,000 | 220,186,000 | 229,000,000 |
| Total capital | 236,999,000 | 240,712,000 | 244,164,000 | 253,425,000 |
| Risk-weighted assets | 1,968,659,000 | 2,010,577,000 | 2,020,512,000 | 2,054,487,000 |