Call reports 2003
FIRST NORTHERN BANK AND TRUST COMPANY — 2003
What FIRST NORTHERN BANK AND TRUST COMPANY 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 | 421,797,000 | 443,137,000 | 453,813,000 | 453,939,000 |
| Total loans | 227,883,000 | 232,882,000 | 235,016,000 | 243,134,000 |
| Allowance for loan losses | 2,377,000 | 2,413,000 | 2,487,000 | 2,558,000 |
| Securities available for sale | 163,312,000 | 165,481,000 | 169,766,000 | 183,972,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 361,003,000 | 378,284,000 | 392,255,000 | 391,196,000 |
| Interest-bearing deposits | 301,281,000 | 311,631,000 | 322,157,000 | 323,616,000 |
| Noninterest-bearing deposits | 59,722,000 | 66,653,000 | 70,098,000 | 67,580,000 |
| Equity capital | 56,493,000 | 59,100,000 | 57,899,000 | 59,032,000 |
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 | 5,976,000 | 11,932,000 | 17,820,000 | 23,989,000 |
| Interest expense | 1,981,000 | 3,909,000 | 5,828,000 | 7,754,000 |
| Net interest income | 3,995,000 | 8,023,000 | 11,992,000 | 16,235,000 |
| Noninterest income | 466,000 | 892,000 | 1,369,000 | 1,896,000 |
| Noninterest expense | 2,170,000 | 4,466,000 | 6,736,000 | 9,950,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 2,216,000 | 4,299,000 | 6,272,000 | 7,753,000 |
| Income tax | 515,000 | 1,035,000 | 1,481,000 | 1,739,000 |
| Net income | 1,701,000 | 3,264,000 | 4,791,000 | 6,014,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,124,000 | 54,278,000 | 55,460,000 | 56,248,000 |
| Total capital | 55,501,000 | 56,691,000 | 57,947,000 | 58,806,000 |
| Risk-weighted assets | 247,976,000 | 258,474,000 | 261,119,000 | 267,132,000 |