Call reports 2018
NORTHUMBERLAND NATIONAL BANK, THE — 2018
What NORTHUMBERLAND NATIONAL BANK, THE reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 514,158,000 | 524,578,000 | 531,515,000 | 534,262,000 |
| Total loans | 328,840,000 | 335,790,000 | 342,072,000 | 352,136,000 |
| Allowance for loan losses | 2,937,000 | 3,039,000 | 3,053,000 | 3,163,000 |
| Securities available for sale | 145,005,000 | 146,923,000 | 145,751,000 | 142,921,000 |
| Securities held to maturity | 256,000 | 1,448,000 | 1,440,000 | 1,848,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 463,152,000 | 473,202,000 | 479,577,000 | 477,588,000 |
| Interest-bearing deposits | 379,020,000 | 388,415,000 | 393,313,000 | 387,746,000 |
| Noninterest-bearing deposits | 84,131,000 | 84,787,000 | 86,264,000 | 89,841,000 |
| Equity capital | 48,148,000 | 48,275,000 | 48,456,000 | 51,493,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 4,405,000 | 9,030,000 | 13,796,000 | 18,738,000 |
| Interest expense | 838,000 | 1,781,000 | 2,789,000 | 3,860,000 |
| Net interest income | 3,567,000 | 7,249,000 | 11,007,000 | 14,878,000 |
| Noninterest income | 847,000 | 1,717,000 | 2,620,000 | 3,572,000 |
| Noninterest expense | 3,660,000 | 7,342,000 | 10,939,000 | 14,601,000 |
| Provision for loan losses | 35,000 | 179,000 | 259,000 | 456,000 |
| Pretax income | 718,000 | 1,432,000 | 2,416,000 | 3,379,000 |
| Income tax | 81,000 | 161,000 | 297,000 | 426,000 |
| Net income | 637,000 | 1,271,000 | 2,119,000 | 2,950,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,229,000 | 52,623,000 | 53,231,000 | 53,762,000 |
| Total capital | 55,166,000 | 55,663,000 | 56,284,000 | 56,925,000 |
| Risk-weighted assets | 296,405,000 | 303,300,000 | 309,209,000 | 315,603,000 |