Call reports 2016
FIRST NORTHERN BANK AND TRUST COMPANY — 2016
What FIRST NORTHERN BANK AND TRUST COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 684,689,000 | 674,428,000 | 722,460,000 | 685,487,000 |
| Total loans | 459,615,000 | 460,668,000 | 481,407,000 | 484,226,000 |
| Allowance for loan losses | 4,912,000 | 5,004,000 | 5,387,000 | 4,754,000 |
| Securities available for sale | 184,746,000 | 179,942,000 | 175,443,000 | 177,532,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 583,099,000 | 570,845,000 | 619,518,000 | 587,224,000 |
| Interest-bearing deposits | 466,677,000 | 455,933,000 | 497,563,000 | 461,203,000 |
| Noninterest-bearing deposits | 116,422,000 | 114,912,000 | 121,955,000 | 126,021,000 |
| Equity capital | 99,363,000 | 101,114,000 | 100,675,000 | 96,092,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 6,352,000 | 12,701,000 | 19,161,000 | 25,707,000 |
| Interest expense | 936,000 | 1,802,000 | 2,622,000 | 3,433,000 |
| Net interest income | 5,416,000 | 10,899,000 | 16,539,000 | 22,274,000 |
| Noninterest income | 447,000 | 1,039,000 | 1,564,000 | 2,236,000 |
| Noninterest expense | 4,563,000 | 9,048,000 | 13,542,000 | 19,394,000 |
| Provision for loan losses | 173,000 | 286,000 | 1,046,000 | 1,330,000 |
| Pretax income | 1,127,000 | 2,604,000 | 3,951,000 | 4,222,000 |
| Income tax | 194,000 | 529,000 | 929,000 | 817,000 |
| Net income | 933,000 | 2,075,000 | 3,022,000 | 3,405,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 96,142,000 | 96,657,000 | 96,951,000 | 96,681,000 |
| Total capital | 101,072,000 | 101,679,000 | 102,359,000 | 101,453,000 |
| Risk-weighted assets | 442,341,000 | 441,426,000 | 457,456,000 | 460,764,000 |