Call reports 2015
NORTHUMBERLAND NATIONAL BANK, THE — 2015
What NORTHUMBERLAND NATIONAL BANK, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 478,687,000 | 477,821,000 | 480,290,000 | 475,993,000 |
| Total loans | 280,737,000 | 279,304,000 | 284,967,000 | 287,941,000 |
| Allowance for loan losses | 2,633,000 | 2,813,000 | 2,580,000 | 2,674,000 |
| Securities available for sale | 157,867,000 | 160,770,000 | 156,289,000 | 148,837,000 |
| Securities held to maturity | 3,611,000 | 4,747,000 | 3,769,000 | 3,192,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 429,899,000 | 429,815,000 | 431,129,000 | 426,528,000 |
| Interest-bearing deposits | 365,591,000 | 367,027,000 | 366,908,000 | 361,488,000 |
| Noninterest-bearing deposits | 64,308,000 | 62,788,000 | 64,221,000 | 65,040,000 |
| Equity capital | 46,136,000 | 46,108,000 | 46,912,000 | 46,972,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,778,000 | 7,519,000 | 11,301,000 | 15,135,000 |
| Interest expense | 648,000 | 1,295,000 | 1,924,000 | 2,531,000 |
| Net interest income | 3,130,000 | 6,224,000 | 9,377,000 | 12,604,000 |
| Noninterest income | 792,000 | 1,892,000 | 2,787,000 | 3,615,000 |
| Noninterest expense | 2,894,000 | 6,054,000 | 9,251,000 | 13,515,000 |
| Provision for loan losses | 100,000 | 310,000 | 316,000 | 611,000 |
| Pretax income | 1,005,000 | 1,849,000 | 2,725,000 | 2,245,000 |
| Income tax | 195,000 | 319,000 | 449,000 | 116,000 |
| Net income | 820,000 | 1,548,000 | 2,288,000 | 2,123,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,590,000 | 48,054,000 | 48,508,000 | 48,216,000 |
| Total capital | 50,223,000 | 50,867,000 | 51,088,000 | 50,890,000 |
| Risk-weighted assets | 246,402,000 | 249,290,000 | 251,444,000 | 253,050,000 |
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