Call reports 2002
FIRST NORTHERN BANK AND TRUST COMPANY — 2002
What FIRST NORTHERN BANK AND TRUST COMPANY reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 363,840,000 | 379,796,000 | 414,511,000 | 421,001,000 |
| Total loans | 222,257,000 | 225,790,000 | 228,291,000 | 232,398,000 |
| Allowance for loan losses | 2,245,000 | 2,228,000 | 2,253,000 | 2,320,000 |
| Securities available for sale | 113,029,000 | 121,951,000 | 153,484,000 | 148,264,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 311,572,000 | 324,530,000 | 353,130,000 | 359,678,000 |
| Interest-bearing deposits | 254,261,000 | 265,857,000 | 291,088,000 | 298,035,000 |
| Noninterest-bearing deposits | 57,311,000 | 58,673,000 | 62,042,000 | 61,643,000 |
| Equity capital | 48,764,000 | 51,981,000 | 55,144,000 | 55,395,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 5,588,000 | 11,395,000 | 17,514,000 | 23,614,000 |
| Interest expense | 1,940,000 | 3,918,000 | 6,025,000 | 8,146,000 |
| Net interest income | 3,648,000 | 7,477,000 | 11,489,000 | 15,468,000 |
| Noninterest income | 208,000 | 401,000 | 751,000 | 1,212,000 |
| Noninterest expense | 2,062,000 | 4,101,000 | 6,363,000 | 9,334,000 |
| Provision for loan losses | 0 | 0 | 25,000 | 100,000 |
| Pretax income | 1,867,000 | 3,850,000 | 5,946,000 | 7,340,000 |
| Income tax | 438,000 | 927,000 | 1,443,000 | 1,727,000 |
| Net income | 1,429,000 | 2,923,000 | 4,503,000 | 5,613,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,823,000 | 49,995,000 | 51,179,000 | 51,861,000 |
| Total capital | 51,068,000 | 52,223,000 | 53,432,000 | 54,181,000 |
| Risk-weighted assets | 223,873,000 | 232,119,000 | 242,033,000 | 248,065,000 |