Call reports 2021
NORTHERN BANK & TRUST COMPANY — 2021
What NORTHERN BANK & TRUST COMPANY reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 2,585,417,000 | 2,556,584,000 | 2,654,610,000 | 2,869,907,000 |
| Total loans | 2,301,545,000 | 2,236,131,000 | 2,167,796,000 | 2,295,585,000 |
| Allowance for loan losses | 37,833,000 | 39,125,000 | 39,834,000 | 40,346,000 |
| Securities available for sale | 63,762,000 | 65,967,000 | 62,905,000 | 67,220,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,157,957,000 | 2,167,783,000 | 2,269,741,000 | 2,469,532,000 |
| Interest-bearing deposits | 1,551,513,000 | 1,504,883,000 | 1,578,797,000 | 1,649,509,000 |
| Noninterest-bearing deposits | 606,444,000 | 662,900,000 | 690,944,000 | 820,023,000 |
| Equity capital | 320,909,000 | 336,043,000 | 349,937,000 | 364,069,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 32,393,000 | 63,755,000 | 96,873,000 | 129,616,000 |
| Interest expense | 2,235,000 | 3,948,000 | 5,480,000 | 6,864,000 |
| Net interest income | 30,158,000 | 59,807,000 | 91,393,000 | 122,752,000 |
| Noninterest income | 2,285,000 | 4,211,000 | 6,264,000 | 7,905,000 |
| Noninterest expense | 9,603,000 | 19,517,000 | 32,806,000 | 47,067,000 |
| Provision for loan losses | 631,000 | 1,887,000 | 2,564,000 | 3,028,000 |
| Pretax income | 22,221,000 | 42,626,000 | 62,290,000 | 80,553,000 |
| Income tax | 6,372,000 | 12,024,000 | 17,562,000 | 22,555,000 |
| Net income | 15,849,000 | 30,602,000 | 44,728,000 | 57,998,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 325,429,000 | 340,182,000 | 354,308,000 | 367,579,000 |
| Total capital | 353,624,000 | 368,394,000 | 382,247,000 | 397,578,000 |
| Risk-weighted assets | 2,245,671,000 | 2,245,693,000 | 2,222,862,000 | 2,389,202,000 |