Call reports 2004
NORTHUMBERLAND NATIONAL BANK, THE — 2004
What NORTHUMBERLAND NATIONAL BANK, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 262,541,000 | 271,187,000 | 289,319,000 | 298,573,000 |
| Total loans | 142,392,000 | 146,446,000 | 150,877,000 | 156,176,000 |
| Allowance for loan losses | 1,439,000 | 1,480,000 | 1,524,000 | 1,578,000 |
| Securities available for sale | 86,489,000 | 98,452,000 | 111,405,000 | 114,736,000 |
| Securities held to maturity | 9,838,000 | 8,961,000 | 13,733,000 | 16,326,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 234,378,000 | 244,746,000 | 261,419,000 | 266,291,000 |
| Interest-bearing deposits | 222,551,000 | 232,411,000 | 247,851,000 | 251,661,000 |
| Noninterest-bearing deposits | 11,827,000 | 12,335,000 | 13,568,000 | 14,630,000 |
| Equity capital | 21,076,000 | 20,043,000 | 21,709,000 | 22,248,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,218,000 | 6,538,000 | 10,069,000 | 13,781,000 |
| Interest expense | 1,416,000 | 2,848,000 | 4,329,000 | 5,888,000 |
| Net interest income | 1,802,000 | 3,690,000 | 5,740,000 | 7,893,000 |
| Noninterest income | 155,000 | 300,000 | 461,000 | 639,000 |
| Noninterest expense | 942,000 | 1,972,000 | 2,985,000 | 4,142,000 |
| Provision for loan losses | 44,000 | 87,000 | 132,000 | 201,000 |
| Pretax income | 971,000 | 1,805,000 | 2,958,000 | 4,063,000 |
| Income tax | 272,000 | 494,000 | 828,000 | 1,145,000 |
| Net income | 699,000 | 1,311,000 | 2,130,000 | 2,918,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,475,000 | 21,020,000 | 21,757,000 | 22,462,000 |
| Total capital | 21,914,000 | 22,500,000 | 23,281,000 | 24,040,000 |
| Risk-weighted assets | 117,227,000 | 122,192,000 | 127,152,000 | 131,601,000 |