Call reports 2025
NORTHERN BANK & TRUST COMPANY — 2025
What NORTHERN BANK & TRUST COMPANY reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 3,130,693,000 | 3,224,447,000 | 3,229,640,000 | 3,167,025,000 |
| Total loans | 2,730,781,000 | 2,798,678,000 | 2,826,163,000 | 2,820,645,000 |
| Allowance for loan losses | 63,627,000 | 64,944,000 | 67,421,000 | 64,310,000 |
| Securities available for sale | 122,961,000 | 153,516,000 | 160,826,000 | 160,328,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,595,215,000 | 2,669,442,000 | 2,657,224,000 | 2,589,138,000 |
| Interest-bearing deposits | 2,102,255,000 | 2,185,788,000 | 2,163,892,000 | 2,127,261,000 |
| Noninterest-bearing deposits | 492,960,000 | 483,654,000 | 493,332,000 | 461,877,000 |
| Equity capital | 464,468,000 | 473,251,000 | 476,006,000 | 461,910,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 62,326,000 | 117,563,000 | 174,778,000 | 231,534,000 |
| Interest expense | 20,211,000 | 39,123,000 | 58,469,000 | 76,336,000 |
| Net interest income | 42,115,000 | 78,440,000 | 116,309,000 | 155,198,000 |
| Noninterest income | 1,394,000 | 2,762,000 | 4,391,000 | 5,729,000 |
| Noninterest expense | 14,573,000 | 30,125,000 | 48,290,000 | 74,395,000 |
| Provision for loan losses | 11,775,000 | 12,825,000 | 16,458,000 | 17,442,000 |
| Pretax income | 17,409,000 | 38,707,000 | 56,638,000 | 69,780,000 |
| Income tax | 4,494,000 | 10,037,000 | 14,629,000 | 17,354,000 |
| Net income | 12,915,000 | 28,670,000 | 42,009,000 | 52,426,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 467,648,000 | 475,905,000 | 478,244,000 | 463,160,000 |
| Total capital | 504,713,000 | 513,411,000 | 516,498,000 | 501,178,000 |
| Risk-weighted assets | 2,936,727,000 | 2,971,343,000 | 3,029,635,000 | 3,013,535,000 |