Call reports 2007
FIRST NATIONAL BANK OF NORTHFIELD, THE — 2007
What FIRST NATIONAL BANK OF NORTHFIELD, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 106,635,000 | 105,705,000 | 106,352,000 | 109,281,000 |
| Total loans | 74,787,000 | 73,588,000 | 76,120,000 | 78,375,000 |
| Allowance for loan losses | 840,000 | 905,000 | 976,000 | 1,042,000 |
| Securities available for sale | 22,857,000 | 23,293,000 | 20,364,000 | 20,609,000 |
| Securities held to maturity | 144,000 | 144,000 | 268,000 | 268,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,962,000 | 95,163,000 | 95,410,000 | 98,451,000 |
| Interest-bearing deposits | 77,104,000 | 76,307,000 | 76,334,000 | 78,436,000 |
| Noninterest-bearing deposits | 18,858,000 | 18,856,000 | 19,076,000 | 20,015,000 |
| Equity capital | 10,248,000 | 10,066,000 | 10,335,000 | 10,219,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,691,000 | 3,401,000 | 5,152,000 | 6,869,000 |
| Interest expense | 600,000 | 1,213,000 | 1,825,000 | 2,451,000 |
| Net interest income | 1,091,000 | 2,188,000 | 3,327,000 | 4,418,000 |
| Noninterest income | 164,000 | 354,000 | 521,000 | 683,000 |
| Noninterest expense | 731,000 | 1,428,000 | 2,263,000 | 3,221,000 |
| Provision for loan losses | 80,000 | 140,000 | 210,000 | 450,000 |
| Pretax income | 444,000 | 974,000 | 1,375,000 | 1,430,000 |
| Income tax | 96,000 | 96,000 | 96,000 | 96,000 |
| Net income | 348,000 | 878,000 | 1,279,000 | 1,334,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,334,000 | 10,251,000 | 10,419,000 | 10,264,000 |
| Total capital | 11,174,000 | 11,156,000 | 11,395,000 | 11,290,000 |
| Risk-weighted assets | 77,692,000 | 77,858,000 | 80,306,000 | 82,086,000 |