Call reports 2006
FIRST NORTHERN BANK AND TRUST COMPANY — 2006
What FIRST NORTHERN BANK AND TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 502,997,000 | 526,722,000 | 540,203,000 | 561,945,000 |
| Total loans | 273,710,000 | 282,331,000 | 287,381,000 | 290,870,000 |
| Allowance for loan losses | 3,262,000 | 3,339,000 | 3,392,000 | 3,458,000 |
| Securities available for sale | 197,690,000 | 196,170,000 | 223,447,000 | 236,701,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 434,386,000 | 458,730,000 | 466,554,000 | 487,827,000 |
| Interest-bearing deposits | 358,320,000 | 378,806,000 | 390,979,000 | 407,471,000 |
| Noninterest-bearing deposits | 76,066,000 | 79,924,000 | 75,575,000 | 80,356,000 |
| Equity capital | 64,992,000 | 64,110,000 | 68,726,000 | 68,964,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 6,954,000 | 14,226,000 | 22,151,000 | 30,371,000 |
| Interest expense | 2,469,000 | 5,324,000 | 8,492,000 | 11,947,000 |
| Net interest income | 4,485,000 | 8,902,000 | 13,659,000 | 18,424,000 |
| Noninterest income | 500,000 | 1,012,000 | 1,545,000 | 2,028,000 |
| Noninterest expense | 2,862,000 | 5,689,000 | 8,614,000 | 12,496,000 |
| Provision for loan losses | 80,000 | 160,000 | 239,000 | 317,000 |
| Pretax income | 2,043,000 | 4,065,000 | 6,351,000 | 7,639,000 |
| Income tax | 453,000 | 772,000 | 1,241,000 | 1,363,000 |
| Net income | 1,590,000 | 3,293,000 | 5,110,000 | 6,276,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 65,877,000 | 67,073,000 | 68,382,000 | 69,040,000 |
| Total capital | 69,139,000 | 70,412,000 | 71,774,000 | 72,498,000 |
| Risk-weighted assets | 291,420,000 | 304,796,000 | 351,388,000 | 329,339,000 |