Call reports 2005
FIRST NORTHERN BANK AND TRUST COMPANY — 2005
What FIRST NORTHERN BANK AND TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 474,561,000 | 483,718,000 | 498,558,000 | 490,304,000 |
| Total loans | 258,342,000 | 263,226,000 | 267,094,000 | 270,903,000 |
| Allowance for loan losses | 2,943,000 | 3,066,000 | 3,137,000 | 3,202,000 |
| Securities available for sale | 185,568,000 | 191,132,000 | 190,657,000 | 191,188,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 408,191,000 | 413,713,000 | 429,057,000 | 420,992,000 |
| Interest-bearing deposits | 335,295,000 | 339,935,000 | 351,067,000 | 342,978,000 |
| Noninterest-bearing deposits | 72,896,000 | 73,778,000 | 77,990,000 | 78,014,000 |
| Equity capital | 62,060,000 | 65,371,000 | 64,976,000 | 65,016,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 6,324,000 | 12,836,000 | 19,479,000 | 26,523,000 |
| Interest expense | 1,865,000 | 3,848,000 | 5,931,000 | 8,222,000 |
| Net interest income | 4,459,000 | 8,988,000 | 13,548,000 | 18,301,000 |
| Noninterest income | 501,000 | 997,000 | 1,498,000 | 1,994,000 |
| Noninterest expense | 2,773,000 | 5,570,000 | 8,463,000 | 12,054,000 |
| Provision for loan losses | 75,000 | 151,000 | 228,000 | 306,000 |
| Pretax income | 2,112,000 | 4,299,000 | 6,390,000 | 7,970,000 |
| Income tax | 400,000 | 842,000 | 1,257,000 | 1,458,000 |
| Net income | 1,712,000 | 3,457,000 | 5,133,000 | 6,512,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,518,000 | 62,754,000 | 63,923,000 | 64,794,000 |
| Total capital | 64,461,000 | 65,820,000 | 67,060,000 | 67,996,000 |
| Risk-weighted assets | 275,584,000 | 281,596,000 | 284,407,000 | 285,599,000 |