Call reports 2007
FIRST NORTHERN BANK AND TRUST COMPANY — 2007
What FIRST NORTHERN BANK AND TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 552,411,000 | 570,657,000 | 562,255,000 | 540,096,000 |
| Total loans | 294,101,000 | 301,080,000 | 311,002,000 | 315,338,000 |
| Allowance for loan losses | 3,534,000 | 3,607,000 | 3,677,000 | 3,744,000 |
| Securities available for sale | 222,489,000 | 231,664,000 | 233,273,000 | 207,970,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 477,373,000 | 496,712,000 | 484,902,000 | 461,167,000 |
| Interest-bearing deposits | 401,750,000 | 417,612,000 | 410,355,000 | 387,752,000 |
| Noninterest-bearing deposits | 75,623,000 | 79,100,000 | 74,547,000 | 73,415,000 |
| Equity capital | 70,214,000 | 68,846,000 | 71,540,000 | 71,806,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 8,216,000 | 16,598,000 | 25,210,000 | 33,655,000 |
| Interest expense | 3,582,000 | 7,401,000 | 11,306,000 | 15,029,000 |
| Net interest income | 4,634,000 | 9,197,000 | 13,904,000 | 18,626,000 |
| Noninterest income | 565,000 | 1,020,000 | 1,552,000 | 1,947,000 |
| Noninterest expense | 2,968,000 | 5,929,000 | 8,980,000 | 12,506,000 |
| Provision for loan losses | 78,000 | 156,000 | 234,000 | 312,000 |
| Pretax income | 2,153,000 | 4,132,000 | 6,242,000 | 7,859,000 |
| Income tax | 437,000 | 772,000 | 1,170,000 | 1,403,000 |
| Net income | 1,716,000 | 3,360,000 | 5,072,000 | 6,456,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 70,248,000 | 71,385,000 | 72,589,000 | 73,466,000 |
| Total capital | 73,782,000 | 74,992,000 | 76,266,000 | 77,210,000 |
| Risk-weighted assets | 326,348,000 | 341,100,000 | 343,380,000 | 341,449,000 |