Call reports 2016
FIRST NATIONAL BANK OF NORTHFIELD, THE — 2016
What FIRST NATIONAL BANK OF NORTHFIELD, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 169,185,000 | 170,816,000 | 172,286,000 | 174,907,000 |
| Total loans | 121,998,000 | 122,297,000 | 132,228,000 | 132,521,000 |
| Allowance for loan losses | 1,679,000 | 1,673,000 | 1,714,000 | 1,749,000 |
| Securities available for sale | 17,614,000 | 17,052,000 | 12,120,000 | 15,263,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,017,000 | 147,464,000 | 148,537,000 | 151,307,000 |
| Interest-bearing deposits | 104,498,000 | 104,037,000 | 103,683,000 | 103,133,000 |
| Noninterest-bearing deposits | 41,519,000 | 43,427,000 | 44,854,000 | 48,174,000 |
| Equity capital | 16,072,000 | 16,275,000 | 16,651,000 | 16,454,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,620,000 | 3,216,000 | 4,897,000 | 6,571,000 |
| Interest expense | 119,000 | 241,000 | 366,000 | 492,000 |
| Net interest income | 1,501,000 | 2,975,000 | 4,531,000 | 6,079,000 |
| Noninterest income | 239,000 | 522,000 | 920,000 | 1,235,000 |
| Noninterest expense | 1,282,000 | 2,554,000 | 3,858,000 | 5,217,000 |
| Provision for loan losses | 30,000 | 60,000 | 105,000 | 135,000 |
| Pretax income | 441,000 | 896,000 | 1,549,000 | 2,023,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 2,000 |
| Net income | 439,000 | 894,000 | 1,547,000 | 2,021,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,907,000 | 15,963,000 | 16,415,000 | 16,538,000 |
| Total capital | 17,494,000 | 17,537,000 | 18,116,000 | 18,235,000 |
| Risk-weighted assets | 126,895,000 | 125,836,000 | 136,094,000 | 135,678,000 |