Call reports 2008
NORTHUMBERLAND NATIONAL BANK, THE — 2008
What NORTHUMBERLAND NATIONAL BANK, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 365,420,000 | 364,299,000 | 365,870,000 | 369,329,000 |
| Total loans | 200,520,000 | 206,656,000 | 211,699,000 | 214,853,000 |
| Allowance for loan losses | 2,038,000 | 1,913,000 | 2,027,000 | 2,120,000 |
| Securities available for sale | 125,503,000 | 127,776,000 | 125,064,000 | 124,033,000 |
| Securities held to maturity | 15,749,000 | 9,912,000 | 10,054,000 | 11,132,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 324,159,000 | 327,351,000 | 328,268,000 | 329,471,000 |
| Interest-bearing deposits | 300,408,000 | 302,905,000 | 303,205,000 | 303,423,000 |
| Noninterest-bearing deposits | 23,751,000 | 24,446,000 | 25,063,000 | 26,048,000 |
| Equity capital | 27,908,000 | 27,296,000 | 28,322,000 | 29,021,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,710,000 | 9,361,000 | 14,084,000 | 18,797,000 |
| Interest expense | 2,810,000 | 5,377,000 | 7,836,000 | 10,195,000 |
| Net interest income | 1,900,000 | 3,984,000 | 6,248,000 | 8,602,000 |
| Noninterest income | 402,000 | 786,000 | 1,216,000 | 1,677,000 |
| Noninterest expense | 1,530,000 | 3,076,000 | 4,771,000 | 6,537,000 |
| Provision for loan losses | 25,000 | 80,000 | 203,000 | 356,000 |
| Pretax income | 747,000 | 1,626,000 | 2,503,000 | 3,400,000 |
| Income tax | 173,000 | 385,000 | 591,000 | 801,000 |
| Net income | 574,000 | 1,241,000 | 1,912,000 | 2,599,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,163,000 | 28,708,000 | 29,244,000 | 29,796,000 |
| Total capital | 30,201,000 | 30,621,000 | 31,271,000 | 31,916,000 |
| Risk-weighted assets | 168,609,000 | 173,643,000 | 175,907,000 | 178,577,000 |