Call reports 2020
FIRST NORTHERN BANK AND TRUST COMPANY — 2020
What FIRST NORTHERN BANK AND TRUST COMPANY reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 729,389,000 | 802,592,000 | 835,292,000 | 831,388,000 |
| Total loans | 557,417,000 | 620,182,000 | 621,097,000 | 593,554,000 |
| Allowance for loan losses | 5,878,000 | 6,355,000 | 6,711,000 | 7,254,000 |
| Securities available for sale | 135,305,000 | 139,960,000 | 134,499,000 | 128,257,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 600,421,000 | 659,832,000 | 691,646,000 | 689,660,000 |
| Interest-bearing deposits | 433,578,000 | 452,124,000 | 486,141,000 | 474,372,000 |
| Noninterest-bearing deposits | 166,843,000 | 207,708,000 | 205,505,000 | 215,288,000 |
| Equity capital | 107,273,000 | 110,007,000 | 110,652,000 | 110,546,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 7,453,000 | 14,952,000 | 22,668,000 | 30,119,000 |
| Interest expense | 924,000 | 1,599,000 | 2,230,000 | 2,829,000 |
| Net interest income | 6,529,000 | 13,353,000 | 20,438,000 | 27,290,000 |
| Noninterest income | 471,000 | 979,000 | 1,751,000 | 2,264,000 |
| Noninterest expense | 4,844,000 | 9,714,000 | 14,536,000 | 20,318,000 |
| Provision for loan losses | 292,000 | 840,000 | 1,244,000 | 1,595,000 |
| Pretax income | 1,864,000 | 3,778,000 | 6,404,000 | 7,636,000 |
| Income tax | 379,000 | 830,000 | 1,213,000 | 1,376,000 |
| Net income | 1,485,000 | 2,948,000 | 5,191,000 | 6,260,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 103,634,000 | 104,445,000 | 106,037,000 | 106,452,000 |