Call reports 2013
FIRST NORTHERN BANK AND TRUST COMPANY — 2013
What FIRST NORTHERN BANK AND TRUST COMPANY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 672,957,000 | 655,315,000 | 667,278,000 | 676,133,000 |
| Total loans | 331,906,000 | 347,229,000 | 358,625,000 | 361,486,000 |
| Allowance for loan losses | 4,606,000 | 4,007,000 | 5,289,000 | 5,163,000 |
| Securities available for sale | 266,723,000 | 271,399,000 | 278,792,000 | 286,648,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 564,261,000 | 556,314,000 | 564,189,000 | 550,190,000 |
| Interest-bearing deposits | 470,338,000 | 460,052,000 | 472,068,000 | 458,210,000 |
| Noninterest-bearing deposits | 93,923,000 | 96,262,000 | 92,121,000 | 91,980,000 |
| Equity capital | 102,999,000 | 96,673,000 | 95,470,000 | 93,074,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 6,551,000 | 12,947,000 | 19,376,000 | 25,694,000 |
| Interest expense | 1,147,000 | 2,234,000 | 3,308,000 | 4,369,000 |
| Net interest income | 5,404,000 | 10,713,000 | 16,068,000 | 21,325,000 |
| Noninterest income | 575,000 | 740,000 | 1,189,000 | 1,724,000 |
| Noninterest expense | 4,175,000 | 8,736,000 | 13,398,000 | 18,339,000 |
| Provision for loan losses | 468,000 | 900,000 | 2,389,000 | 2,607,000 |
| Pretax income | 1,341,000 | 1,822,000 | 1,472,000 | 4,112,000 |
| Income tax | 158,000 | -93,000 | -181,000 | 467,000 |
| Net income | 1,183,000 | 1,915,000 | 1,653,000 | 3,645,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 94,666,000 | 94,745,000 | 93,829,000 | 95,170,000 |
| Total capital | 98,972,000 | 98,759,000 | 98,435,000 | 99,960,000 |
| Risk-weighted assets | 350,231,000 | 366,229,000 | 367,777,000 | 382,848,000 |