Call reports 2016
NORTHUMBERLAND NATIONAL BANK, THE — 2016
What NORTHUMBERLAND NATIONAL BANK, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 482,240,000 | 487,131,000 | 498,190,000 | 491,927,000 |
| Total loans | 296,287,000 | 298,974,000 | 301,930,000 | 301,694,000 |
| Allowance for loan losses | 2,756,000 | 2,755,000 | 2,737,000 | 2,778,000 |
| Securities available for sale | 146,163,000 | 146,233,000 | 151,812,000 | 149,461,000 |
| Securities held to maturity | 2,698,000 | 2,687,000 | 2,081,000 | 1,692,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 432,555,000 | 437,395,000 | 447,958,000 | 442,653,000 |
| Interest-bearing deposits | 364,959,000 | 368,619,000 | 376,806,000 | 369,009,000 |
| Noninterest-bearing deposits | 67,596,000 | 68,776,000 | 71,151,000 | 73,644,000 |
| Equity capital | 47,942,000 | 48,703,000 | 48,900,000 | 47,688,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,881,000 | 7,820,000 | 11,811,000 | 15,812,000 |
| Interest expense | 604,000 | 1,194,000 | 1,793,000 | 2,402,000 |
| Net interest income | 3,277,000 | 6,626,000 | 10,018,000 | 13,410,000 |
| Noninterest income | 720,000 | 1,486,000 | 2,439,000 | 3,438,000 |
| Noninterest expense | 3,219,000 | 6,679,000 | 10,068,000 | 13,332,000 |
| Provision for loan losses | 127,000 | 127,000 | 153,000 | 208,000 |
| Pretax income | 696,000 | 1,432,000 | 2,375,000 | 3,471,000 |
| Income tax | 82,000 | 182,000 | 352,000 | 591,000 |
| Net income | 614,000 | 1,247,000 | 2,011,000 | 2,866,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,687,000 | 49,183,000 | 49,722,000 | 50,332,000 |
| Total capital | 51,443,000 | 51,938,000 | 52,459,000 | 53,110,000 |
| Risk-weighted assets | 260,839,000 | 263,218,000 | 268,501,000 | 271,101,000 |