Call reports 2013
NORTHUMBERLAND NATIONAL BANK, THE — 2013
What NORTHUMBERLAND NATIONAL BANK, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 468,940,000 | 474,733,000 | 488,433,000 | 476,023,000 |
| Total loans | 251,312,000 | 255,591,000 | 258,218,000 | 266,369,000 |
| Allowance for loan losses | 2,458,000 | 2,443,000 | 2,473,000 | 2,505,000 |
| Securities available for sale | 176,974,000 | 179,658,000 | 188,566,000 | 176,227,000 |
| Securities held to maturity | 4,104,000 | 4,618,000 | 4,674,000 | 4,663,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 423,834,000 | 431,617,000 | 444,452,000 | 432,029,000 |
| Interest-bearing deposits | 369,926,000 | 377,719,000 | 390,233,000 | 380,935,000 |
| Noninterest-bearing deposits | 53,908,000 | 53,898,000 | 54,219,000 | 51,094,000 |
| Equity capital | 42,254,000 | 41,181,000 | 41,924,000 | 43,618,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,795,000 | 7,676,000 | 11,497,000 | 15,419,000 |
| Interest expense | 946,000 | 1,850,000 | 2,730,000 | 3,559,000 |
| Net interest income | 2,849,000 | 5,826,000 | 8,767,000 | 11,860,000 |
| Noninterest income | 1,019,000 | 1,889,000 | 2,778,000 | 3,747,000 |
| Noninterest expense | 2,626,000 | 5,276,000 | 7,850,000 | 10,499,000 |
| Provision for loan losses | 8,000 | 20,000 | 33,000 | 122,000 |
| Pretax income | 1,358,000 | 2,651,000 | 3,926,000 | 5,362,000 |
| Income tax | 312,000 | 607,000 | 882,000 | 1,209,000 |
| Net income | 1,059,000 | 2,072,000 | 3,079,000 | 4,198,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,144,000 | 42,923,000 | 43,708,000 | 44,492,000 |
| Total capital | 44,602,000 | 45,366,000 | 46,181,000 | 46,997,000 |
| Risk-weighted assets | 212,897,000 | 220,326,000 | 223,392,000 | 228,418,000 |