Call reports 2012
FIRST NATIONAL BANK OF NORTHFIELD, THE — 2012
What FIRST NATIONAL BANK OF NORTHFIELD, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 131,079,000 | 130,966,000 | 136,107,000 | 138,268,000 |
| Total loans | 77,109,000 | 79,842,000 | 82,252,000 | 88,188,000 |
| Allowance for loan losses | 1,440,000 | 1,417,000 | 1,486,000 | 1,461,000 |
| Securities available for sale | 26,930,000 | 19,962,000 | 17,904,000 | 21,400,000 |
| Securities held to maturity | 135,000 | 135,000 | 121,000 | 121,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,495,000 | 118,248,000 | 122,918,000 | 125,428,000 |
| Interest-bearing deposits | 94,739,000 | 90,808,000 | 92,476,000 | 94,503,000 |
| Noninterest-bearing deposits | 23,756,000 | 27,440,000 | 30,442,000 | 30,925,000 |
| Equity capital | 12,456,000 | 12,640,000 | 13,111,000 | 12,790,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,320,000 | 2,636,000 | 4,007,000 | 5,338,000 |
| Interest expense | 177,000 | 345,000 | 502,000 | 632,000 |
| Net interest income | 1,143,000 | 2,291,000 | 3,505,000 | 4,706,000 |
| Noninterest income | 261,000 | 535,000 | 804,000 | 1,177,000 |
| Noninterest expense | 1,167,000 | 2,285,000 | 3,396,000 | 4,709,000 |
| Provision for loan losses | 105,000 | 210,000 | 280,000 | 330,000 |
| Pretax income | 132,000 | 441,000 | 750,000 | 961,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 2,000 |
| Net income | 130,000 | 439,000 | 748,000 | 959,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,818,000 | 12,127,000 | 12,436,000 | 12,267,000 |
| Total capital | 12,821,000 | 13,168,000 | 13,473,000 | 13,364,000 |
| Risk-weighted assets | 79,833,000 | 82,922,000 | 82,389,000 | 87,596,000 |