Call reports 2009
FIRST NORTHERN BANK AND TRUST COMPANY — 2009
What FIRST NORTHERN BANK AND TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 576,719,000 | 595,161,000 | 615,279,000 | 620,237,000 |
| Total loans | 351,626,000 | 355,262,000 | 368,649,000 | 371,187,000 |
| Allowance for loan losses | 4,034,000 | 4,263,000 | 4,265,000 | 4,590,000 |
| Securities available for sale | 205,650,000 | 182,450,000 | 209,695,000 | 207,160,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 483,706,000 | 508,187,000 | 523,630,000 | 531,235,000 |
| Interest-bearing deposits | 410,999,000 | 436,608,000 | 453,669,000 | 458,319,000 |
| Noninterest-bearing deposits | 72,706,000 | 71,579,000 | 69,961,000 | 72,916,000 |
| Equity capital | 81,876,000 | 82,585,000 | 86,773,000 | 85,453,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 7,961,000 | 15,687,000 | 23,494,000 | 31,448,000 |
| Interest expense | 2,616,000 | 5,067,000 | 7,458,000 | 9,768,000 |
| Net interest income | 5,345,000 | 10,620,000 | 16,036,000 | 21,680,000 |
| Noninterest income | 474,000 | 938,000 | 1,431,000 | 1,925,000 |
| Noninterest expense | 3,146,000 | 6,667,000 | 9,966,000 | 13,880,000 |
| Provision for loan losses | 78,000 | 320,000 | 323,000 | 677,000 |
| Pretax income | 2,623,000 | 4,606,000 | 7,213,000 | 9,083,000 |
| Income tax | 608,000 | 1,058,000 | 1,518,000 | 2,081,000 |
| Net income | 2,015,000 | 3,548,000 | 5,695,000 | 7,002,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 79,451,000 | 80,477,000 | 82,117,000 | 82,916,000 |
| Total capital | 83,485,000 | 84,740,000 | 86,382,000 | 87,469,000 |
| Risk-weighted assets | 345,794,000 | 348,070,000 | 362,587,000 | 364,232,000 |