Call reports 2009
FIRST NATIONAL BANK OF NORTHFIELD, THE — 2009
What FIRST NATIONAL BANK OF NORTHFIELD, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 114,063,000 | 119,524,000 | 124,710,000 | 129,624,000 |
| Total loans | 83,971,000 | 88,484,000 | 91,152,000 | 89,443,000 |
| Allowance for loan losses | 1,220,000 | 1,128,000 | 1,293,000 | 1,319,000 |
| Securities available for sale | 15,226,000 | 12,293,000 | 13,767,000 | 15,068,000 |
| Securities held to maturity | 216,000 | 216,000 | 202,000 | 202,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,913,000 | 108,495,000 | 113,225,000 | 118,665,000 |
| Interest-bearing deposits | 85,265,000 | 87,657,000 | 93,083,000 | 96,000,000 |
| Noninterest-bearing deposits | 17,648,000 | 20,838,000 | 20,142,000 | 22,665,000 |
| Equity capital | 10,800,000 | 10,657,000 | 11,115,000 | 10,651,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,559,000 | 3,103,000 | 4,705,000 | 6,308,000 |
| Interest expense | 413,000 | 844,000 | 1,286,000 | 1,712,000 |
| Net interest income | 1,146,000 | 2,259,000 | 3,419,000 | 4,596,000 |
| Noninterest income | 272,000 | 618,000 | 892,000 | 1,090,000 |
| Noninterest expense | 1,094,000 | 2,295,000 | 3,478,000 | 4,759,000 |
| Provision for loan losses | 182,000 | 517,000 | 692,000 | 1,742,000 |
| Pretax income | 142,000 | 65,000 | 141,000 | -591,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 2,000 |
| Net income | 140,000 | 63,000 | 139,000 | -593,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,527,000 | 10,416,000 | 10,791,000 | 10,709,000 |
| Total capital | 11,618,000 | 11,544,000 | 12,004,000 | 11,895,000 |
| Risk-weighted assets | 87,161,000 | 95,030,000 | 96,925,000 | 94,810,000 |