Call reports 2008
FIRST NATIONAL BANK OF NORTHFIELD, THE — 2008
What FIRST NATIONAL BANK OF NORTHFIELD, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 111,920,000 | 110,248,000 | 111,295,000 | 114,344,000 |
| Total loans | 79,340,000 | 82,148,000 | 82,261,000 | 85,058,000 |
| Allowance for loan losses | 1,119,000 | 1,185,000 | 981,000 | 1,031,000 |
| Securities available for sale | 21,108,000 | 16,394,000 | 15,265,000 | 15,953,000 |
| Securities held to maturity | 255,000 | 255,000 | 248,000 | 235,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,826,000 | 99,587,000 | 100,356,000 | 103,250,000 |
| Interest-bearing deposits | 83,083,000 | 80,164,000 | 80,478,000 | 83,912,000 |
| Noninterest-bearing deposits | 17,743,000 | 19,423,000 | 19,878,000 | 19,338,000 |
| Equity capital | 10,421,000 | 9,983,000 | 10,324,000 | 10,626,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,714,000 | 3,336,000 | 4,946,000 | 6,514,000 |
| Interest expense | 645,000 | 1,211,000 | 1,722,000 | 2,199,000 |
| Net interest income | 1,069,000 | 2,125,000 | 3,224,000 | 4,315,000 |
| Noninterest income | 170,000 | 363,000 | 527,000 | 754,000 |
| Noninterest expense | 1,081,000 | 2,064,000 | 3,053,000 | 4,143,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 430,000 |
| Pretax income | 98,000 | 304,000 | 518,000 | 496,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 2,000 |
| Net income | 96,000 | 302,000 | 516,000 | 494,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,360,000 | 10,265,000 | 10,409,000 | 10,387,000 |
| Total capital | 11,414,000 | 11,335,000 | 11,390,000 | 11,418,000 |
| Risk-weighted assets | 84,304,000 | 85,506,000 | 86,612,000 | 88,780,000 |