Call reports 2010
NORTHUMBERLAND NATIONAL BANK, THE — 2010
What NORTHUMBERLAND NATIONAL BANK, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 392,952,000 | 407,538,000 | 417,486,000 | 416,603,000 |
| Total loans | 220,253,000 | 235,985,000 | 245,535,000 | 254,087,000 |
| Allowance for loan losses | 2,396,000 | 2,431,000 | 2,641,000 | 2,541,000 |
| Securities available for sale | 138,621,000 | 139,634,000 | 139,385,000 | 138,315,000 |
| Securities held to maturity | 6,573,000 | 6,211,000 | 5,853,000 | 3,868,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 350,966,000 | 364,926,000 | 373,852,000 | 375,266,000 |
| Interest-bearing deposits | 322,554,000 | 334,378,000 | 342,737,000 | 344,926,000 |
| Noninterest-bearing deposits | 28,412,000 | 30,548,000 | 31,115,000 | 30,340,000 |
| Equity capital | 32,451,000 | 33,753,000 | 34,640,000 | 34,711,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 4,344,000 | 8,742,000 | 13,264,000 | 17,735,000 |
| Interest expense | 1,755,000 | 3,502,000 | 5,142,000 | 6,745,000 |
| Net interest income | 2,589,000 | 5,240,000 | 8,122,000 | 10,990,000 |
| Noninterest income | 569,000 | 1,099,000 | 1,759,000 | 2,232,000 |
| Noninterest expense | 2,066,000 | 4,167,000 | 6,286,000 | 8,514,000 |
| Provision for loan losses | 130,000 | 172,000 | 547,000 | 700,000 |
| Pretax income | 922,000 | 2,021,000 | 3,150,000 | 4,191,000 |
| Income tax | 214,000 | 485,000 | 764,000 | 1,006,000 |
| Net income | 708,000 | 1,536,000 | 2,386,000 | 3,185,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,249,000 | 32,942,000 | 33,593,000 | 34,192,000 |
| Total capital | 34,562,000 | 35,346,000 | 36,085,000 | 36,673,000 |
| Risk-weighted assets | 185,542,000 | 192,760,000 | 199,195,000 | 198,482,000 |