Call reports 2019
NORTHUMBERLAND NATIONAL BANK, THE — 2019
What NORTHUMBERLAND NATIONAL BANK, THE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 533,508,000 | 534,242,000 | 543,599,000 | 537,924,000 |
| Total loans | 355,892,000 | 362,828,000 | 370,562,000 | 374,602,000 |
| Allowance for loan losses | 3,203,000 | 3,266,000 | 3,393,000 | 3,451,000 |
| Securities available for sale | 133,139,000 | 134,573,000 | 130,894,000 | 127,026,000 |
| Securities held to maturity | 1,842,000 | 901,000 | 901,000 | 906,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 477,901,000 | 477,431,000 | 485,345,000 | 476,118,000 |
| Interest-bearing deposits | 381,927,000 | 379,980,000 | 391,629,000 | 379,609,000 |
| Noninterest-bearing deposits | 95,974,000 | 97,451,000 | 93,715,000 | 96,509,000 |
| Equity capital | 52,993,000 | 54,292,000 | 55,297,000 | 56,236,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 4,979,000 | 10,023,000 | 15,204,000 | 20,340,000 |
| Interest expense | 1,074,000 | 2,188,000 | 3,319,000 | 4,431,000 |
| Net interest income | 3,905,000 | 7,835,000 | 11,885,000 | 15,909,000 |
| Noninterest income | 878,000 | 1,757,000 | 2,818,000 | 3,851,000 |
| Noninterest expense | 3,756,000 | 7,629,000 | 11,360,000 | 15,486,000 |
| Provision for loan losses | 45,000 | 127,000 | 254,000 | 353,000 |
| Pretax income | 988,000 | 1,864,000 | 3,148,000 | 3,991,000 |
| Income tax | 136,000 | 249,000 | 445,000 | 558,000 |
| Net income | 852,000 | 1,616,000 | 2,698,000 | 3,416,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,350,000 | 54,825,000 | 55,580,000 | 55,906,000 |
| Total capital | 57,553,000 | 58,091,000 | 58,973,000 | 59,357,000 |
| Risk-weighted assets | 322,635,000 | 329,242,000 | 332,606,000 | 339,770,000 |