Call reports 2019
NORTHERN BANK & TRUST COMPANY — 2019
What NORTHERN BANK & TRUST COMPANY reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 2,259,610,000 | 2,150,495,000 | 2,148,380,000 | 2,234,025,000 |
| Total loans | 1,960,727,000 | 1,917,019,000 | 1,913,414,000 | 1,914,505,000 |
| Allowance for loan losses | 25,104,000 | 25,632,000 | 25,292,000 | 26,265,000 |
| Securities available for sale | 58,208,000 | 56,544,000 | 51,698,000 | 49,847,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,869,062,000 | 1,828,247,000 | 1,796,878,000 | 1,912,420,000 |
| Interest-bearing deposits | 1,564,946,000 | 1,517,364,000 | 1,468,925,000 | 1,524,019,000 |
| Noninterest-bearing deposits | 304,116,000 | 310,883,000 | 327,953,000 | 388,401,000 |
| Equity capital | 233,781,000 | 245,339,000 | 255,270,000 | 262,130,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 28,306,000 | 59,841,000 | 89,086,000 | 119,340,000 |
| Interest expense | 6,217,000 | 13,049,000 | 20,229,000 | 26,805,000 |
| Net interest income | 22,089,000 | 46,792,000 | 68,857,000 | 92,535,000 |
| Noninterest income | 1,838,000 | 3,656,000 | 5,123,000 | 6,883,000 |
| Noninterest expense | 11,063,000 | 21,311,000 | 31,487,000 | 43,062,000 |
| Provision for loan losses | 3,029,000 | 3,661,000 | 3,665,000 | 5,517,000 |
| Pretax income | 9,852,000 | 25,511,000 | 38,870,000 | 50,878,000 |
| Income tax | 2,718,000 | 7,118,000 | 10,670,000 | 13,822,000 |
| Net income | 7,134,000 | 18,393,000 | 28,200,000 | 37,056,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 236,133,000 | 247,391,000 | 257,199,000 | 266,056,000 |
| Total capital | 261,864,000 | 272,395,000 | 282,210,000 | 291,175,000 |
| Risk-weighted assets | 2,068,231,000 | 1,999,147,000 | 2,000,377,000 | 2,008,145,000 |