Call reports 2012
FIRST NORTHERN BANK AND TRUST COMPANY — 2012
What FIRST NORTHERN BANK AND TRUST COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 694,493,000 | 689,332,000 | 700,619,000 | 689,708,000 |
| Total loans | 350,496,000 | 347,601,000 | 335,127,000 | 339,281,000 |
| Allowance for loan losses | 4,402,000 | 4,648,000 | 3,649,000 | 4,648,000 |
| Securities available for sale | 280,857,000 | 283,192,000 | 291,255,000 | 278,403,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 581,706,000 | 575,413,000 | 586,449,000 | 579,306,000 |
| Interest-bearing deposits | 496,846,000 | 492,666,000 | 502,853,000 | 494,763,000 |
| Noninterest-bearing deposits | 84,860,000 | 82,747,000 | 83,596,000 | 84,543,000 |
| Equity capital | 104,620,000 | 106,074,000 | 106,334,000 | 104,278,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 7,340,000 | 14,425,000 | 21,340,000 | 28,145,000 |
| Interest expense | 1,471,000 | 2,816,000 | 4,098,000 | 5,332,000 |
| Net interest income | 5,869,000 | 11,609,000 | 17,242,000 | 22,813,000 |
| Noninterest income | 431,000 | 987,000 | 1,580,000 | 2,341,000 |
| Noninterest expense | 4,110,000 | 8,193,000 | 12,110,000 | 16,565,000 |
| Provision for loan losses | 611,000 | 983,000 | 4,487,000 | 6,117,000 |
| Pretax income | 1,579,000 | 4,031,000 | 4,674,000 | 4,921,000 |
| Income tax | 426,000 | 1,039,000 | 739,000 | 779,000 |
| Net income | 1,153,000 | 2,992,000 | 3,935,000 | 4,142,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 93,103,000 | 94,290,000 | 94,580,000 | 94,134,000 |
| Total capital | 97,258,000 | 98,487,000 | 98,236,000 | 98,447,000 |
| Risk-weighted assets | 332,219,000 | 335,284,000 | 340,374,000 | 349,719,000 |