Call reports 2025
FIRST NORTHERN BANK AND TRUST COMPANY — 2025
What FIRST NORTHERN BANK AND TRUST COMPANY reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 904,179,000 | 878,785,000 | 964,587,000 | 936,387,000 |
| Total loans | 526,349,000 | 553,789,000 | 566,750,000 | 573,158,000 |
| Allowance for loan losses | 8,808,000 | 8,886,000 | 8,583,000 | 8,726,000 |
| Securities available for sale | 240,233,000 | 239,971,000 | 240,144,000 | 230,612,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 756,631,000 | 729,622,000 | 809,859,000 | 781,554,000 |
| Interest-bearing deposits | 511,745,000 | 494,199,000 | 572,530,000 | 538,905,000 |
| Noninterest-bearing deposits | 244,886,000 | 235,423,000 | 237,329,000 | 242,649,000 |
| Equity capital | 121,792,000 | 124,277,000 | 129,879,000 | 132,159,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 10,782,000 | 21,670,000 | 32,974,000 | 44,675,000 |
| Interest expense | 2,420,000 | 4,731,000 | 7,257,000 | 9,992,000 |
| Net interest income | 8,362,000 | 16,939,000 | 25,717,000 | 34,683,000 |
| Noninterest income | 719,000 | 1,582,000 | 2,275,000 | 2,944,000 |
| Noninterest expense | 5,613,000 | 11,176,000 | 16,918,000 | 24,403,000 |
| Provision for loan losses | 2,000 | 67,000 | -251,000 | -105,000 |
| Pretax income | 3,410,000 | 7,220,000 | 11,260,000 | 13,274,000 |
| Income tax | 559,000 | 1,204,000 | 1,802,000 | 2,108,000 |
| Net income | 2,851,000 | 6,016,000 | 9,458,000 | 11,166,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 132,524,000 | 134,710,000 | 137,172,000 | 137,900,000 |