Call reports 2004
FIRST NATIONAL BANK OF NORTHFIELD, THE — 2004
What FIRST NATIONAL BANK OF NORTHFIELD, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 89,403,000 | 90,353,000 | 89,116,000 | 89,273,000 |
| Total loans | 55,648,000 | 57,569,000 | 56,902,000 | 58,474,000 |
| Allowance for loan losses | 614,000 | 600,000 | 536,000 | 551,000 |
| Securities available for sale | 16,881,000 | 14,667,000 | 13,621,000 | 12,648,000 |
| Securities held to maturity | 104,000 | 104,000 | 98,000 | 98,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,077,000 | 81,319,000 | 79,785,000 | 80,098,000 |
| Interest-bearing deposits | 64,197,000 | 65,142,000 | 62,375,000 | 63,181,000 |
| Noninterest-bearing deposits | 15,880,000 | 16,177,000 | 17,410,000 | 16,917,000 |
| Equity capital | 9,113,000 | 8,873,000 | 9,157,000 | 9,018,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,106,000 | 2,212,000 | 3,336,000 | 4,497,000 |
| Interest expense | 260,000 | 516,000 | 770,000 | 1,019,000 |
| Net interest income | 846,000 | 1,696,000 | 2,566,000 | 3,478,000 |
| Noninterest income | 113,000 | 232,000 | 351,000 | 473,000 |
| Noninterest expense | 629,000 | 1,214,000 | 1,942,000 | 2,746,000 |
| Provision for loan losses | 100,000 | 145,000 | 155,000 | 180,000 |
| Pretax income | 230,000 | 569,000 | 820,000 | 1,025,000 |
| Income tax | 93,000 | 256,000 | 329,000 | 431,000 |
| Net income | 137,000 | 313,000 | 491,000 | 594,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,103,000 | 9,069,000 | 9,247,000 | 9,140,000 |
| Total capital | 9,717,000 | 9,669,000 | 9,783,000 | 9,691,000 |
| Risk-weighted assets | 59,054,000 | 60,142,000 | 60,123,000 | 61,942,000 |
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