Call reports 2002
FIRST NATIONAL BANK OF NORTHFIELD, THE — 2002
What FIRST NATIONAL BANK OF NORTHFIELD, THE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 82,094,000 | 81,424,000 | 85,941,000 | 85,018,000 |
| Total loans | 49,981,000 | 51,858,000 | 51,898,000 | 50,375,000 |
| Allowance for loan losses | 531,000 | 525,000 | 518,000 | 579,000 |
| Securities available for sale | 10,909,000 | 10,863,000 | 14,955,000 | 12,895,000 |
| Securities held to maturity | 115,000 | 115,000 | 115,000 | 115,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,045,000 | 72,378,000 | 76,615,000 | 75,778,000 |
| Interest-bearing deposits | 60,287,000 | 59,085,000 | 61,134,000 | 60,802,000 |
| Noninterest-bearing deposits | 12,758,000 | 13,293,000 | 15,481,000 | 14,976,000 |
| Equity capital | 8,687,000 | 8,777,000 | 9,100,000 | 9,027,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,221,000 | 2,502,000 | 3,781,000 | 5,000,000 |
| Interest expense | 478,000 | 933,000 | 1,353,000 | 1,719,000 |
| Net interest income | 743,000 | 1,569,000 | 2,428,000 | 3,281,000 |
| Noninterest income | 93,000 | 193,000 | 321,000 | 497,000 |
| Noninterest expense | 531,000 | 1,062,000 | 1,576,000 | 2,310,000 |
| Provision for loan losses | 30,000 | 50,000 | 80,000 | 130,000 |
| Pretax income | 275,000 | 650,000 | 1,093,000 | 1,338,000 |
| Income tax | 131,000 | 291,000 | 476,000 | 614,000 |
| Net income | 144,000 | 359,000 | 617,000 | 724,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,728,000 | 8,751,000 | 9,008,000 | 8,906,000 |
| Total capital | 9,259,000 | 9,276,000 | 9,526,000 | 9,485,000 |
| Risk-weighted assets | 55,236,000 | 54,535,000 | 56,000,000 | 54,078,000 |
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