Call reports 2011
NORTHUMBERLAND NATIONAL BANK, THE — 2011
What NORTHUMBERLAND NATIONAL BANK, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 427,822,000 | 436,344,000 | 454,143,000 | 450,919,000 |
| Total loans | 256,300,000 | 250,384,000 | 251,139,000 | 252,213,000 |
| Allowance for loan losses | 2,580,000 | 2,330,000 | 2,394,000 | 2,538,000 |
| Securities available for sale | 143,212,000 | 157,150,000 | 167,430,000 | 169,936,000 |
| Securities held to maturity | 3,148,000 | 3,482,000 | 3,207,000 | 4,099,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 386,505,000 | 393,377,000 | 409,838,000 | 405,186,000 |
| Interest-bearing deposits | 353,321,000 | 361,463,000 | 371,020,000 | 370,070,000 |
| Noninterest-bearing deposits | 33,184,000 | 31,914,000 | 38,819,000 | 35,116,000 |
| Equity capital | 34,986,000 | 36,598,000 | 37,702,000 | 37,956,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 4,403,000 | 8,854,000 | 13,334,000 | 17,851,000 |
| Interest expense | 1,538,000 | 3,088,000 | 4,578,000 | 5,992,000 |
| Net interest income | 2,865,000 | 5,766,000 | 8,756,000 | 11,859,000 |
| Noninterest income | 310,000 | 1,155,000 | 1,867,000 | 2,647,000 |
| Noninterest expense | 2,247,000 | 4,587,000 | 6,994,000 | 9,003,000 |
| Provision for loan losses | 27,000 | 45,000 | 195,000 | 250,000 |
| Pretax income | 940,000 | 2,395,000 | 3,673,000 | 5,637,000 |
| Income tax | 205,000 | 579,000 | 885,000 | 1,425,000 |
| Net income | 735,000 | 1,816,000 | 2,788,000 | 4,212,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,751,000 | 35,672,000 | 36,454,000 | 37,688,000 |
| Total capital | 37,217,000 | 38,002,000 | 38,848,000 | 40,198,000 |
| Risk-weighted assets | 197,203,000 | 197,363,000 | 200,392,000 | 200,769,000 |