Call reports 2002
NORTHUMBERLAND NATIONAL BANK, THE — 2002
What NORTHUMBERLAND NATIONAL BANK, THE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 145,671,000 | 155,031,000 | 174,296,000 | 193,787,000 |
| Total loans | 105,621,000 | 114,165,000 | 118,910,000 | 124,544,000 |
| Allowance for loan losses | 1,112,000 | 1,183,000 | 1,231,000 | 1,283,000 |
| Securities available for sale | 18,688,000 | 17,928,000 | 27,454,000 | 37,166,000 |
| Securities held to maturity | 6,927,000 | 7,169,000 | 10,147,000 | 9,721,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,518,000 | 128,245,000 | 147,140,000 | 167,124,000 |
| Interest-bearing deposits | 111,332,000 | 120,474,000 | 138,705,000 | 156,344,000 |
| Noninterest-bearing deposits | 7,186,000 | 7,771,000 | 8,435,000 | 10,780,000 |
| Equity capital | 15,739,000 | 16,354,000 | 16,990,000 | 17,211,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,236,000 | 4,596,000 | 7,111,000 | 9,817,000 |
| Interest expense | 1,185,000 | 2,374,000 | 3,636,000 | 5,012,000 |
| Net interest income | 1,051,000 | 2,222,000 | 3,475,000 | 4,805,000 |
| Noninterest income | 95,000 | 190,000 | 253,000 | 377,000 |
| Noninterest expense | 579,000 | 1,220,000 | 1,913,000 | 2,726,000 |
| Provision for loan losses | 38,000 | 107,000 | 162,000 | 228,000 |
| Pretax income | 529,000 | 1,085,000 | 1,653,000 | 2,228,000 |
| Income tax | 143,000 | 295,000 | 431,000 | 607,000 |
| Net income | 386,000 | 790,000 | 1,222,000 | 1,621,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,769,000 | 16,122,000 | 16,494,000 | 16,836,000 |
| Total capital | 16,737,000 | 17,145,000 | 17,584,000 | 18,009,000 |
| Risk-weighted assets | 77,314,000 | 81,666,000 | 87,096,000 | 93,731,000 |