Call reports 2001
NORTHUMBERLAND NATIONAL BANK, THE — 2001
What NORTHUMBERLAND NATIONAL BANK, THE reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 116,285,000 | 123,666,000 | 128,013,000 | 137,394,000 |
| Total loans | 91,784,000 | 95,394,000 | 100,058,000 | 103,212,000 |
| Allowance for loan losses | 1,002,000 | 985,000 | 1,033,000 | 1,071,000 |
| Securities available for sale | 7,445,000 | 9,202,000 | 9,848,000 | 15,558,000 |
| Securities held to maturity | 8,367,000 | 7,663,000 | 7,128,000 | 6,942,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,961,000 | 96,044,000 | 100,634,000 | 110,426,000 |
| Interest-bearing deposits | 82,216,000 | 88,991,000 | 94,290,000 | 102,652,000 |
| Noninterest-bearing deposits | 5,745,000 | 7,053,000 | 6,344,000 | 7,774,000 |
| Equity capital | 15,048,000 | 15,127,000 | 15,339,000 | 15,426,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 2,014,000 | 4,087,000 | 6,258,000 | 8,474,000 |
| Interest expense | 1,210,000 | 2,475,000 | 3,757,000 | 5,022,000 |
| Net interest income | 804,000 | 1,612,000 | 2,501,000 | 3,452,000 |
| Noninterest income | 66,000 | 147,000 | 211,000 | 278,000 |
| Noninterest expense | 478,000 | 992,000 | 1,590,000 | 2,164,000 |
| Provision for loan losses | 37,000 | 102,000 | 147,000 | 197,000 |
| Pretax income | 355,000 | 665,000 | 975,000 | 1,369,000 |
| Income tax | 83,000 | 157,000 | 228,000 | 327,000 |
| Net income | 272,000 | 508,000 | 747,000 | 1,042,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,959,000 | 15,047,000 | 15,193,000 | 15,436,000 |
| Total capital | 15,743,000 | 15,881,000 | 16,072,000 | 16,354,000 |
| Risk-weighted assets | 62,533,000 | 66,590,000 | 70,166,000 | 73,295,000 |