Call reports 2004
FIRST NORTHERN BANK AND TRUST COMPANY — 2004
What FIRST NORTHERN BANK AND TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 443,570,000 | 447,867,000 | 474,285,000 | 473,739,000 |
| Total loans | 241,577,000 | 245,211,000 | 253,186,000 | 256,446,000 |
| Allowance for loan losses | 2,623,000 | 2,687,000 | 2,760,000 | 2,872,000 |
| Securities available for sale | 170,074,000 | 168,738,000 | 181,120,000 | 181,471,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 377,886,000 | 387,917,000 | 405,232,000 | 405,938,000 |
| Interest-bearing deposits | 312,214,000 | 319,706,000 | 335,549,000 | 337,636,000 |
| Noninterest-bearing deposits | 65,672,000 | 68,211,000 | 69,683,000 | 68,302,000 |
| Equity capital | 61,193,000 | 58,105,000 | 62,926,000 | 62,545,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 6,091,000 | 11,977,000 | 18,076,000 | 24,356,000 |
| Interest expense | 1,830,000 | 3,498,000 | 5,234,000 | 7,053,000 |
| Net interest income | 4,261,000 | 8,479,000 | 12,842,000 | 17,303,000 |
| Noninterest income | 492,000 | 937,000 | 1,439,000 | 1,950,000 |
| Noninterest expense | 2,563,000 | 5,118,000 | 7,975,000 | 11,558,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 2,144,000 | 4,177,000 | 6,110,000 | 7,424,000 |
| Income tax | 434,000 | 825,000 | 1,162,000 | 1,329,000 |
| Net income | 1,710,000 | 3,352,000 | 4,948,000 | 6,095,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,450,000 | 58,584,000 | 59,673,000 | 60,312,000 |
| Total capital | 60,073,000 | 61,271,000 | 62,433,000 | 63,184,000 |
| Risk-weighted assets | 260,728,000 | 264,784,000 | 272,242,000 | 273,191,000 |