Call reports 2007
NORTHUMBERLAND NATIONAL BANK, THE — 2007
What NORTHUMBERLAND NATIONAL BANK, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 343,281,000 | 349,939,000 | 358,712,000 | 353,420,000 |
| Total loans | 192,167,000 | 194,174,000 | 198,242,000 | 199,189,000 |
| Allowance for loan losses | 1,931,000 | 1,951,000 | 1,993,000 | 1,999,000 |
| Securities available for sale | 103,973,000 | 112,534,000 | 110,501,000 | 119,795,000 |
| Securities held to maturity | 26,224,000 | 25,990,000 | 18,129,000 | 12,251,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 306,171,000 | 308,380,000 | 316,998,000 | 313,768,000 |
| Interest-bearing deposits | 286,491,000 | 287,825,000 | 295,235,000 | 291,680,000 |
| Noninterest-bearing deposits | 19,680,000 | 20,555,000 | 21,763,000 | 22,088,000 |
| Equity capital | 25,293,000 | 25,315,000 | 26,211,000 | 27,081,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,516,000 | 9,182,000 | 13,995,000 | 18,823,000 |
| Interest expense | 2,910,000 | 5,887,000 | 8,955,000 | 11,980,000 |
| Net interest income | 1,606,000 | 3,295,000 | 5,040,000 | 6,843,000 |
| Noninterest income | 316,000 | 648,000 | 1,019,000 | 1,372,000 |
| Noninterest expense | 1,427,000 | 2,795,000 | 4,123,000 | 5,535,000 |
| Provision for loan losses | 47,000 | 150,000 | 209,000 | 299,000 |
| Pretax income | 449,000 | 999,000 | 1,729,000 | 2,384,000 |
| Income tax | 85,000 | 203,000 | 382,000 | 533,000 |
| Net income | 364,000 | 796,000 | 1,347,000 | 1,851,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,879,000 | 27,176,000 | 27,428,000 | 27,710,000 |
| Total capital | 28,810,000 | 29,127,000 | 29,421,000 | 29,709,000 |
| Risk-weighted assets | 161,782,000 | 162,610,000 | 166,973,000 | 164,864,000 |