Call reports 2014
NORTHUMBERLAND NATIONAL BANK, THE — 2014
What NORTHUMBERLAND NATIONAL BANK, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 482,768,000 | 483,198,000 | 478,973,000 | 478,283,000 |
| Total loans | 267,269,000 | 266,613,000 | 268,510,000 | 279,729,000 |
| Allowance for loan losses | 2,474,000 | 2,462,000 | 2,587,000 | 2,553,000 |
| Securities available for sale | 171,054,000 | 179,963,000 | 172,492,000 | 159,928,000 |
| Securities held to maturity | 4,451,000 | 4,441,000 | 3,880,000 | 3,621,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 437,504,000 | 436,469,000 | 431,727,000 | 430,308,000 |
| Interest-bearing deposits | 380,985,000 | 380,781,000 | 373,410,000 | 369,996,000 |
| Noninterest-bearing deposits | 56,519,000 | 55,688,000 | 58,317,000 | 60,312,000 |
| Equity capital | 44,529,000 | 45,666,000 | 46,236,000 | 45,526,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,727,000 | 7,529,000 | 11,336,000 | 15,149,000 |
| Interest expense | 752,000 | 1,486,000 | 2,184,000 | 2,860,000 |
| Net interest income | 2,975,000 | 6,043,000 | 9,152,000 | 12,289,000 |
| Noninterest income | 714,000 | 1,518,000 | 2,398,000 | 3,171,000 |
| Noninterest expense | 2,684,000 | 5,381,000 | 8,052,000 | 10,907,000 |
| Provision for loan losses | 5,000 | 38,000 | 168,000 | 178,000 |
| Pretax income | 1,023,000 | 2,228,000 | 3,516,000 | 4,599,000 |
| Income tax | 194,000 | 463,000 | 746,000 | 966,000 |
| Net income | 835,000 | 1,775,000 | 2,787,000 | 3,658,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,072,000 | 45,734,000 | 46,484,000 | 47,093,000 |
| Total capital | 47,546,000 | 48,196,000 | 49,071,000 | 49,646,000 |
| Risk-weighted assets | 231,036,000 | 231,178,000 | 232,150,000 | 243,574,000 |