Call reports 2015
FIRST NORTHERN BANK AND TRUST COMPANY — 2015
What FIRST NORTHERN BANK AND TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 675,853,000 | 672,747,000 | 705,664,000 | 677,681,000 |
| Total loans | 418,049,000 | 432,470,000 | 450,547,000 | 459,562,000 |
| Allowance for loan losses | 4,406,000 | 4,020,000 | 4,864,000 | 4,900,000 |
| Securities available for sale | 231,460,000 | 209,650,000 | 205,865,000 | 190,944,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 568,013,000 | 573,629,000 | 605,452,000 | 578,178,000 |
| Interest-bearing deposits | 464,712,000 | 466,413,000 | 497,110,000 | 466,054,000 |
| Noninterest-bearing deposits | 103,301,000 | 107,216,000 | 108,342,000 | 112,125,000 |
| Equity capital | 99,331,000 | 97,387,000 | 98,359,000 | 97,292,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 6,512,000 | 12,898,000 | 19,374,000 | 25,917,000 |
| Interest expense | 1,075,000 | 2,123,000 | 3,113,000 | 4,088,000 |
| Net interest income | 5,437,000 | 10,775,000 | 16,261,000 | 21,829,000 |
| Noninterest income | 392,000 | 804,000 | 1,266,000 | 1,661,000 |
| Noninterest expense | 4,696,000 | 9,247,000 | 13,767,000 | 18,630,000 |
| Provision for loan losses | 249,000 | 466,000 | 1,635,000 | 2,112,000 |
| Pretax income | 1,098,000 | 2,756,000 | 3,016,000 | 3,647,000 |
| Income tax | 214,000 | 539,000 | 546,000 | 609,000 |
| Net income | 884,000 | 2,217,000 | 2,470,000 | 3,038,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 95,689,000 | 95,415,000 | 95,598,000 | 94,910,000 |
| Total capital | 100,110,000 | 99,451,000 | 100,480,000 | 99,828,000 |
| Risk-weighted assets | 426,274,000 | 429,802,000 | 446,830,000 | 441,485,000 |