Call reports 2005
FIRST NATIONAL BANK OF NORTHFIELD, THE — 2005
What FIRST NATIONAL BANK OF NORTHFIELD, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 89,108,000 | 87,402,000 | 90,066,000 | 91,547,000 |
| Total loans | 60,414,000 | 62,835,000 | 62,925,000 | 66,338,000 |
| Allowance for loan losses | 503,000 | 618,000 | 620,000 | 609,000 |
| Securities available for sale | 11,822,000 | 14,872,000 | 15,701,000 | 17,497,000 |
| Securities held to maturity | 52,000 | 52,000 | 45,000 | 45,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,779,000 | 78,037,000 | 80,439,000 | 81,786,000 |
| Interest-bearing deposits | 61,285,000 | 59,782,000 | 61,261,000 | 61,107,000 |
| Noninterest-bearing deposits | 18,494,000 | 18,255,000 | 19,178,000 | 20,679,000 |
| Equity capital | 9,128,000 | 9,160,000 | 9,415,000 | 9,424,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,190,000 | 2,419,000 | 3,650,000 | 4,974,000 |
| Interest expense | 242,000 | 495,000 | 773,000 | 1,084,000 |
| Net interest income | 948,000 | 1,924,000 | 2,877,000 | 3,890,000 |
| Noninterest income | 102,000 | 237,000 | 346,000 | 561,000 |
| Noninterest expense | 700,000 | 1,355,000 | 1,976,000 | 2,784,000 |
| Provision for loan losses | 75,000 | 120,000 | 130,000 | 140,000 |
| Pretax income | 275,000 | 686,000 | 1,117,000 | 1,527,000 |
| Income tax | 92,000 | 299,000 | 482,000 | 607,000 |
| Net income | 183,000 | 387,000 | 635,000 | 920,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,323,000 | 9,317,000 | 9,565,000 | 9,640,000 |
| Total capital | 9,826,000 | 9,935,000 | 10,185,000 | 10,249,000 |
| Risk-weighted assets | 63,127,000 | 65,213,000 | 66,459,000 | 68,282,000 |
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