Call reports 2010
FIRST NORTHERN BANK AND TRUST COMPANY — 2010
What FIRST NORTHERN BANK AND TRUST COMPANY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 639,876,000 | 657,619,000 | 678,102,000 | 673,412,000 |
| Total loans | 368,654,000 | 369,868,000 | 371,963,000 | 371,178,000 |
| Allowance for loan losses | 4,326,000 | 4,328,000 | 4,607,000 | 4,148,000 |
| Securities available for sale | 236,852,000 | 254,791,000 | 254,943,000 | 255,330,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 549,478,000 | 560,581,000 | 578,339,000 | 580,142,000 |
| Interest-bearing deposits | 477,526,000 | 487,620,000 | 503,993,000 | 503,153,000 |
| Noninterest-bearing deposits | 71,952,000 | 72,961,000 | 74,346,000 | 76,989,000 |
| Equity capital | 86,668,000 | 91,626,000 | 93,919,000 | 89,590,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 7,711,000 | 15,591,000 | 23,543,000 | 31,368,000 |
| Interest expense | 2,208,000 | 4,396,000 | 6,623,000 | 8,800,000 |
| Net interest income | 5,503,000 | 11,195,000 | 16,920,000 | 22,568,000 |
| Noninterest income | 480,000 | 965,000 | 1,467,000 | 1,907,000 |
| Noninterest expense | 3,592,000 | 7,361,000 | 11,143,000 | 15,405,000 |
| Provision for loan losses | 3,000 | 6,000 | 352,000 | 496,000 |
| Pretax income | 2,394,000 | 4,809,000 | 6,909,000 | 8,591,000 |
| Income tax | 478,000 | 1,031,000 | 1,559,000 | 1,769,000 |
| Net income | 1,916,000 | 3,778,000 | 5,350,000 | 6,822,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 84,325,000 | 85,679,000 | 86,744,000 | 87,708,000 |
| Total capital | 88,657,000 | 90,013,000 | 91,231,000 | 91,862,000 |
| Risk-weighted assets | 357,752,000 | 355,340,000 | 358,832,000 | 362,813,000 |