Call reports 2019
FIRST NORTHERN BANK AND TRUST COMPANY — 2019
What FIRST NORTHERN BANK AND TRUST COMPANY reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 699,182,000 | 700,379,000 | 717,434,000 | 720,652,000 |
| Total loans | 531,695,000 | 534,981,000 | 549,873,000 | 555,781,000 |
| Allowance for loan losses | 5,239,000 | 5,348,000 | 5,569,000 | 5,555,000 |
| Securities available for sale | 147,635,000 | 145,577,000 | 141,242,000 | 134,240,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 596,693,000 | 595,462,000 | 610,696,000 | 593,062,000 |
| Interest-bearing deposits | 442,549,000 | 436,076,000 | 457,619,000 | 435,800,000 |
| Noninterest-bearing deposits | 154,144,000 | 159,386,000 | 153,077,000 | 157,263,000 |
| Equity capital | 100,881,000 | 103,367,000 | 105,348,000 | 105,108,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 7,240,000 | 14,587,000 | 22,158,000 | 29,769,000 |
| Interest expense | 1,138,000 | 2,226,000 | 3,265,000 | 4,277,000 |
| Net interest income | 6,102,000 | 12,361,000 | 18,893,000 | 25,492,000 |
| Noninterest income | 738,000 | 1,231,000 | 1,779,000 | 2,251,000 |
| Noninterest expense | 4,890,000 | 9,793,000 | 14,640,000 | 20,663,000 |
| Provision for loan losses | 191,000 | 300,000 | 451,000 | 454,000 |
| Pretax income | 1,759,000 | 3,499,000 | 5,576,000 | 6,621,000 |
| Income tax | 297,000 | 565,000 | 911,000 | 1,126,000 |
| Net income | 1,462,000 | 2,934,000 | 4,665,000 | 5,495,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 100,726,000 | 101,546,000 | 102,624,000 | 102,802,000 |
| Total capital | 105,992,000 | 106,921,000 | 108,220,000 | 108,384,000 |
| Risk-weighted assets | 500,270,000 | 503,015,000 | 516,635,000 | 518,687,000 |