Call reports 2010
FIRST NATIONAL BANK OF NORTHFIELD, THE — 2010
What FIRST NATIONAL BANK OF NORTHFIELD, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 124,729,000 | 123,244,000 | 124,714,000 | 125,126,000 |
| Total loans | 89,138,000 | 89,776,000 | 86,797,000 | 86,894,000 |
| Allowance for loan losses | 1,392,000 | 1,772,000 | 1,671,000 | 1,658,000 |
| Securities available for sale | 18,225,000 | 16,550,000 | 17,466,000 | 22,601,000 |
| Securities held to maturity | 188,000 | 188,000 | 175,000 | 175,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,684,000 | 112,278,000 | 113,481,000 | 114,661,000 |
| Interest-bearing deposits | 94,299,000 | 92,264,000 | 93,380,000 | 92,561,000 |
| Noninterest-bearing deposits | 19,385,000 | 20,014,000 | 20,101,000 | 22,100,000 |
| Equity capital | 10,765,000 | 10,708,000 | 10,966,000 | 10,218,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,479,000 | 2,960,000 | 4,424,000 | 5,857,000 |
| Interest expense | 369,000 | 707,000 | 1,026,000 | 1,314,000 |
| Net interest income | 1,110,000 | 2,253,000 | 3,398,000 | 4,543,000 |
| Noninterest income | 185,000 | 373,000 | 600,000 | 839,000 |
| Noninterest expense | 1,177,000 | 2,320,000 | 3,428,000 | 4,690,000 |
| Provision for loan losses | 63,000 | 493,000 | 583,000 | 1,008,000 |
| Pretax income | 55,000 | -164,000 | 10,000 | -187,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 2,000 |
| Net income | 53,000 | -166,000 | 8,000 | -189,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,762,000 | 10,542,000 | 10,717,000 | 10,520,000 |
| Total capital | 11,868,000 | 11,660,000 | 11,797,000 | 11,600,000 |
| Risk-weighted assets | 91,292,000 | 90,199,000 | 85,842,000 | 85,190,000 |