Call reports 2020
NORTHUMBERLAND NATIONAL BANK, THE — 2020
What NORTHUMBERLAND NATIONAL BANK, THE reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 543,964,000 | 574,789,000 | 590,060,000 | 611,517,000 |
| Total loans | 376,948,000 | 370,948,000 | 366,651,000 | 367,151,000 |
| Allowance for loan losses | 3,656,000 | 3,679,000 | 3,700,000 | 3,721,000 |
| Securities available for sale | 121,885,000 | 149,056,000 | 166,494,000 | 189,637,000 |
| Securities held to maturity | 920,000 | 1,438,000 | 1,015,000 | 1,015,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 480,683,000 | 511,398,000 | 525,149,000 | 545,637,000 |
| Interest-bearing deposits | 379,286,000 | 393,994,000 | 406,877,000 | 414,829,000 |
| Noninterest-bearing deposits | 101,398,000 | 117,404,000 | 118,273,000 | 130,808,000 |
| Equity capital | 57,964,000 | 59,378,000 | 60,516,000 | 61,369,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 5,000,000 | 9,708,000 | 14,411,000 | 19,073,000 |
| Interest expense | 1,034,000 | 1,950,000 | 2,743,000 | 3,471,000 |
| Net interest income | 3,966,000 | 7,758,000 | 11,668,000 | 15,602,000 |
| Noninterest income | 1,054,000 | 2,253,000 | 3,903,000 | 5,486,000 |
| Noninterest expense | 3,888,000 | 7,628,000 | 11,653,000 | 15,521,000 |
| Provision for loan losses | 170,000 | 221,000 | 245,000 | 270,000 |
| Pretax income | 965,000 | 2,189,000 | 3,733,000 | 5,406,000 |
| Income tax | 142,000 | 337,000 | 596,000 | 881,000 |
| Net income | 814,000 | 1,834,000 | 3,108,000 | 4,487,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,526,000 | 57,252,000 | 58,131,000 | 59,016,000 |
| Total capital | 60,182,000 | 60,931,000 | 61,831,000 | 62,737,000 |
| Risk-weighted assets | 340,340,000 | 336,165,000 | 339,699,000 | 345,543,000 |