Call reports 2012
NORTHUMBERLAND NATIONAL BANK, THE — 2012
What NORTHUMBERLAND NATIONAL BANK, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 457,075,000 | 458,531,000 | 466,010,000 | 464,620,000 |
| Total loans | 251,639,000 | 246,681,000 | 240,434,000 | 245,679,000 |
| Allowance for loan losses | 2,519,000 | 2,507,000 | 2,458,000 | 2,458,000 |
| Securities available for sale | 162,492,000 | 173,241,000 | 185,458,000 | 188,218,000 |
| Securities held to maturity | 3,691,000 | 3,929,000 | 4,199,000 | 4,444,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 410,505,000 | 416,445,000 | 422,222,000 | 420,226,000 |
| Interest-bearing deposits | 370,621,000 | 374,868,000 | 377,623,000 | 372,455,000 |
| Noninterest-bearing deposits | 39,884,000 | 41,577,000 | 44,599,000 | 47,771,000 |
| Equity capital | 38,651,000 | 39,793,000 | 41,255,000 | 41,613,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,340,000 | 8,524,000 | 12,514,000 | 16,587,000 |
| Interest expense | 1,292,000 | 2,528,000 | 3,650,000 | 4,673,000 |
| Net interest income | 3,048,000 | 5,996,000 | 8,864,000 | 11,914,000 |
| Noninterest income | 732,000 | 1,552,000 | 2,625,000 | 3,443,000 |
| Noninterest expense | 2,377,000 | 4,800,000 | 7,200,000 | 9,790,000 |
| Provision for loan losses | 23,000 | 55,000 | 64,000 | 64,000 |
| Pretax income | 1,453,000 | 2,883,000 | 4,532,000 | 5,845,000 |
| Income tax | 367,000 | 711,000 | 1,113,000 | 1,397,000 |
| Net income | 1,086,000 | 2,172,000 | 3,419,000 | 4,455,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,584,000 | 39,481,000 | 40,498,000 | 41,312,000 |
| Total capital | 41,103,000 | 41,988,000 | 42,956,000 | 43,770,000 |
| Risk-weighted assets | 203,502,000 | 208,873,000 | 203,796,000 | 205,503,000 |