Call reports 2005
NORTHUMBERLAND NATIONAL BANK, THE — 2005
What NORTHUMBERLAND NATIONAL BANK, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 299,041,000 | 303,796,000 | 310,875,000 | 311,986,000 |
| Total loans | 157,965,000 | 164,123,000 | 169,087,000 | 172,018,000 |
| Allowance for loan losses | 1,596,000 | 1,658,000 | 1,708,000 | 1,738,000 |
| Securities available for sale | 111,610,000 | 111,563,000 | 108,903,000 | 106,790,000 |
| Securities held to maturity | 16,219,000 | 15,408,000 | 19,403,000 | 19,299,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 267,359,000 | 271,677,000 | 279,223,000 | 274,289,000 |
| Interest-bearing deposits | 253,113,000 | 256,639,000 | 263,672,000 | 257,669,000 |
| Noninterest-bearing deposits | 14,246,000 | 15,038,000 | 15,551,000 | 16,620,000 |
| Equity capital | 21,715,000 | 23,107,000 | 22,969,000 | 23,240,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,733,000 | 7,577,000 | 11,517,000 | 15,532,000 |
| Interest expense | 1,596,000 | 3,295,000 | 5,144,000 | 7,153,000 |
| Net interest income | 2,137,000 | 4,282,000 | 6,373,000 | 8,379,000 |
| Noninterest income | 184,000 | 373,000 | 602,000 | 843,000 |
| Noninterest expense | 1,092,000 | 2,345,000 | 3,552,000 | 4,902,000 |
| Provision for loan losses | 27,000 | 94,000 | 151,000 | 206,000 |
| Pretax income | 1,202,000 | 2,201,000 | 3,243,000 | 4,086,000 |
| Income tax | 351,000 | 632,000 | 925,000 | 1,150,000 |
| Net income | 851,000 | 1,569,000 | 2,318,000 | 2,936,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,231,000 | 23,867,000 | 24,521,000 | 25,043,000 |
| Total capital | 24,827,000 | 25,525,000 | 26,229,000 | 26,781,000 |
| Risk-weighted assets | 134,418,000 | 137,998,000 | 143,156,000 | 144,245,000 |