Call reports 2003
FIRST NATIONAL BANK OF NORTHFIELD, THE — 2003
What FIRST NATIONAL BANK OF NORTHFIELD, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 88,831,000 | 87,349,000 | 86,388,000 | 89,651,000 |
| Total loans | 52,477,000 | 53,647,000 | 53,468,000 | 55,056,000 |
| Allowance for loan losses | 689,000 | 500,000 | 519,000 | 530,000 |
| Securities available for sale | 20,781,000 | 20,677,000 | 12,367,000 | 15,041,000 |
| Securities held to maturity | 80,000 | 80,000 | 80,000 | 145,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,567,000 | 78,115,000 | 77,027,000 | 80,530,000 |
| Interest-bearing deposits | 62,896,000 | 62,357,000 | 61,004,000 | 62,431,000 |
| Noninterest-bearing deposits | 16,671,000 | 15,758,000 | 16,023,000 | 18,099,000 |
| Equity capital | 9,070,000 | 9,060,000 | 9,183,000 | 8,954,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,125,000 | 2,201,000 | 3,288,000 | 4,389,000 |
| Interest expense | 316,000 | 610,000 | 893,000 | 1,164,000 |
| Net interest income | 809,000 | 1,591,000 | 2,395,000 | 3,225,000 |
| Noninterest income | 178,000 | 357,000 | 531,000 | 618,000 |
| Noninterest expense | 515,000 | 1,029,000 | 1,696,000 | 2,490,000 |
| Provision for loan losses | 320,000 | 400,000 | 470,000 | 535,000 |
| Pretax income | 152,000 | 519,000 | 760,000 | 818,000 |
| Income tax | 68,000 | 177,000 | 282,000 | 338,000 |
| Net income | 84,000 | 342,000 | 478,000 | 480,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,990,000 | 9,038,000 | 9,174,000 | 8,966,000 |
| Total capital | 9,679,000 | 9,538,000 | 9,693,000 | 9,496,000 |
| Risk-weighted assets | 55,994,000 | 53,748,000 | 58,079,000 | 59,981,000 |
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