Call reports 2006
FIRST NATIONAL BANK OF NORTHFIELD, THE — 2006
What FIRST NATIONAL BANK OF NORTHFIELD, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 94,222,000 | 95,428,000 | 102,229,000 | 109,870,000 |
| Total loans | 67,070,000 | 71,685,000 | 74,058,000 | 74,962,000 |
| Allowance for loan losses | 642,000 | 679,000 | 731,000 | 761,000 |
| Securities available for sale | 18,001,000 | 17,886,000 | 17,004,000 | 22,624,000 |
| Securities held to maturity | 38,000 | 38,000 | 157,000 | 157,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,294,000 | 85,437,000 | 91,925,000 | 99,207,000 |
| Interest-bearing deposits | 65,724,000 | 67,332,000 | 71,994,000 | 76,815,000 |
| Noninterest-bearing deposits | 18,570,000 | 18,105,000 | 19,931,000 | 22,392,000 |
| Equity capital | 9,600,000 | 9,665,000 | 9,992,000 | 10,204,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,333,000 | 2,791,000 | 4,349,000 | 6,070,000 |
| Interest expense | 352,000 | 779,000 | 1,270,000 | 1,842,000 |
| Net interest income | 981,000 | 2,012,000 | 3,079,000 | 4,228,000 |
| Noninterest income | 101,000 | 273,000 | 441,000 | 679,000 |
| Noninterest expense | 730,000 | 1,396,000 | 2,133,000 | 3,179,000 |
| Provision for loan losses | 50,000 | 80,000 | 130,000 | 190,000 |
| Pretax income | 302,000 | 809,000 | 1,257,000 | 1,538,000 |
| Income tax | 127,000 | 314,000 | 536,000 | 667,000 |
| Net income | 175,000 | 495,000 | 721,000 | 871,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,816,000 | 9,405,000 | 10,151,000 | 10,302,000 |
| Total capital | 10,458,000 | 10,084,000 | 10,882,000 | 11,063,000 |
| Risk-weighted assets | 69,153,000 | 73,204,000 | 75,943,000 | 78,531,000 |
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