Call reports 2006
NORTHUMBERLAND NATIONAL BANK, THE — 2006
What NORTHUMBERLAND NATIONAL BANK, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 314,537,000 | 320,065,000 | 336,307,000 | 339,376,000 |
| Total loans | 176,506,000 | 183,099,000 | 186,461,000 | 189,681,000 |
| Allowance for loan losses | 1,783,000 | 1,849,000 | 1,874,000 | 1,908,000 |
| Securities available for sale | 104,791,000 | 98,193,000 | 100,557,000 | 100,743,000 |
| Securities held to maturity | 19,295,000 | 19,644,000 | 23,401,000 | 27,490,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 273,628,000 | 284,731,000 | 299,967,000 | 303,162,000 |
| Interest-bearing deposits | 256,571,000 | 266,583,000 | 282,011,000 | 282,631,000 |
| Noninterest-bearing deposits | 17,057,000 | 18,148,000 | 17,956,000 | 20,531,000 |
| Equity capital | 23,310,000 | 23,375,000 | 24,854,000 | 24,777,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 4,029,000 | 8,197,000 | 12,569,000 | 17,077,000 |
| Interest expense | 2,106,000 | 4,421,000 | 7,048,000 | 9,905,000 |
| Net interest income | 1,923,000 | 3,776,000 | 5,521,000 | 7,172,000 |
| Noninterest income | 245,000 | 521,000 | 825,000 | 1,098,000 |
| Noninterest expense | 1,218,000 | 2,574,000 | 3,819,000 | 5,181,000 |
| Provision for loan losses | 60,000 | 124,000 | 175,000 | 273,000 |
| Pretax income | 891,000 | 1,418,000 | 2,172,000 | 2,636,000 |
| Income tax | 263,000 | 363,000 | 558,000 | 647,000 |
| Net income | 628,000 | 1,055,000 | 1,614,000 | 1,989,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,573,000 | 25,908,000 | 26,358,000 | 26,624,000 |
| Total capital | 27,356,000 | 27,757,000 | 28,232,000 | 28,532,000 |
| Risk-weighted assets | 147,600,000 | 152,810,000 | 157,049,000 | 159,552,000 |