Call reports 2014
FIRST NORTHERN BANK AND TRUST COMPANY — 2014
What FIRST NORTHERN BANK AND TRUST COMPANY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 668,670,000 | 710,380,000 | 714,867,000 | 684,143,000 |
| Total loans | 372,753,000 | 387,786,000 | 399,888,000 | 408,907,000 |
| Allowance for loan losses | 4,589,000 | 4,128,000 | 4,536,000 | 4,172,000 |
| Securities available for sale | 268,754,000 | 294,965,000 | 284,533,000 | 246,633,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 549,787,000 | 554,788,000 | 580,907,000 | 568,406,000 |
| Interest-bearing deposits | 455,799,000 | 458,434,000 | 488,740,000 | 467,636,000 |
| Noninterest-bearing deposits | 93,989,000 | 96,354,000 | 92,167,000 | 100,771,000 |
| Equity capital | 95,691,000 | 97,747,000 | 96,666,000 | 98,189,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 6,234,000 | 12,576,000 | 19,232,000 | 25,932,000 |
| Interest expense | 1,032,000 | 2,061,000 | 3,178,000 | 4,323,000 |
| Net interest income | 5,202,000 | 10,515,000 | 16,054,000 | 21,609,000 |
| Noninterest income | 490,000 | 991,000 | 1,501,000 | 1,955,000 |
| Noninterest expense | 5,207,000 | 10,202,000 | 16,207,000 | 20,991,000 |
| Provision for loan losses | 191,000 | 689,000 | 1,445,000 | 2,013,000 |
| Pretax income | 1,821,000 | 2,142,000 | 1,430,000 | 2,644,000 |
| Income tax | 256,000 | 53,000 | -356,000 | -256,000 |
| Net income | 1,565,000 | 2,089,000 | 1,786,000 | 2,900,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 96,083,000 | 95,954,000 | 94,999,000 | 95,459,000 |
| Total capital | 100,681,000 | 100,091,000 | 99,550,000 | 99,646,000 |
| Risk-weighted assets | 394,751,000 | 410,846,000 | 416,067,000 | 412,512,000 |