Call reports 2003
NORTHERN TRUST BANK OF TEXAS N.A. — 2003
What NORTHERN TRUST BANK OF TEXAS N.A. reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 889,314,000 | 923,150,000 | 929,077,000 | 950,966,000 |
| Total loans | 748,746,000 | 754,753,000 | 805,817,000 | 849,558,000 |
| Allowance for loan losses | 5,687,000 | 5,697,000 | 5,750,000 | 5,950,000 |
| Securities available for sale | 9,114,000 | 9,027,000 | 8,960,000 | 8,010,000 |
| Securities held to maturity | 3,091,000 | 2,991,000 | 2,853,000 | 2,853,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 662,605,000 | 692,910,000 | 699,646,000 | 723,039,000 |
| Interest-bearing deposits | 573,200,000 | 596,684,000 | 597,691,000 | 625,231,000 |
| Noninterest-bearing deposits | 89,405,000 | 96,226,000 | 101,955,000 | 97,808,000 |
| Equity capital | 97,162,000 | 99,466,000 | 93,741,000 | 93,020,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 10,937,000 | 21,528,000 | 31,770,000 | 42,023,000 |
| Interest expense | 3,389,000 | 6,653,000 | 9,724,000 | 12,673,000 |
| Net interest income | 7,548,000 | 14,875,000 | 22,046,000 | 29,350,000 |
| Noninterest income | 4,643,000 | 9,092,000 | 14,185,000 | 18,918,000 |
| Noninterest expense | 7,846,000 | 15,874,000 | 22,872,000 | 29,487,000 |
| Provision for loan losses | 0 | 50,000 | 100,000 | 300,000 |
| Pretax income | 4,345,000 | 8,043,000 | 13,259,000 | 18,481,000 |
| Income tax | 1,661,000 | 3,056,000 | 4,991,000 | 6,929,000 |
| Net income | 2,684,000 | 4,987,000 | 8,268,000 | 11,552,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 82,450,000 | 84,962,000 | 79,453,000 | 78,946,000 |
| Total capital | 88,326,000 | 90,875,000 | 85,415,000 | 85,108,000 |
| Risk-weighted assets | 579,642,000 | 596,097,000 | 620,621,000 | 649,300,000 |