Call reports 2003
NORTHUMBERLAND NATIONAL BANK, THE — 2003
What NORTHUMBERLAND NATIONAL BANK, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 210,823,000 | 225,049,000 | 240,807,000 | 252,116,000 |
| Total loans | 126,767,000 | 130,675,000 | 134,001,000 | 139,960,000 |
| Allowance for loan losses | 1,306,000 | 1,347,000 | 1,377,000 | 1,414,000 |
| Securities available for sale | 60,073,000 | 67,185,000 | 79,226,000 | 89,914,000 |
| Securities held to maturity | 9,880,000 | 9,195,000 | 10,734,000 | 10,148,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 183,165,000 | 197,811,000 | 214,416,000 | 225,781,000 |
| Interest-bearing deposits | 173,843,000 | 187,016,000 | 204,236,000 | 213,548,000 |
| Noninterest-bearing deposits | 9,322,000 | 10,795,000 | 10,180,000 | 12,233,000 |
| Equity capital | 17,891,000 | 18,695,000 | 18,724,000 | 19,041,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,836,000 | 5,808,000 | 8,841,000 | 12,054,000 |
| Interest expense | 1,382,000 | 2,774,000 | 4,152,000 | 5,581,000 |
| Net interest income | 1,454,000 | 3,034,000 | 4,689,000 | 6,473,000 |
| Noninterest income | 127,000 | 248,000 | 401,000 | 554,000 |
| Noninterest expense | 752,000 | 1,570,000 | 2,448,000 | 3,534,000 |
| Provision for loan losses | 32,000 | 79,000 | 159,000 | 276,000 |
| Pretax income | 797,000 | 1,633,000 | 2,483,000 | 3,217,000 |
| Income tax | 226,000 | 460,000 | 695,000 | 885,000 |
| Net income | 571,000 | 1,173,000 | 1,788,000 | 2,332,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,348,000 | 17,893,000 | 18,441,000 | 18,921,000 |
| Total capital | 18,585,000 | 19,178,000 | 19,787,000 | 20,326,000 |
| Risk-weighted assets | 98,862,000 | 102,757,000 | 107,730,000 | 112,481,000 |