Call reports 2003
NORTHFIELD SAVINGS BANK — 2003
What NORTHFIELD SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 411,879,000 | 412,429,000 | 405,917,000 | 421,714,000 |
| Total loans | 260,796,000 | 264,795,000 | 280,760,000 | 286,897,000 |
| Allowance for loan losses | 6,638,000 | 6,398,000 | 6,408,000 | 6,565,000 |
| Securities available for sale | 126,567,000 | 124,932,000 | 108,086,000 | 114,527,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 303,902,000 | 301,877,000 | 301,914,000 | 315,273,000 |
| Interest-bearing deposits | 270,091,000 | 266,891,000 | 266,439,000 | 280,524,000 |
| Noninterest-bearing deposits | 33,811,000 | 34,986,000 | 35,475,000 | 34,749,000 |
| Equity capital | 56,398,000 | 57,728,000 | 57,642,000 | 57,572,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 5,455,000 | 10,938,000 | 16,086,000 | 21,253,000 |
| Interest expense | 1,609,000 | 3,162,000 | 4,579,000 | 5,980,000 |
| Net interest income | 3,846,000 | 7,776,000 | 11,507,000 | 15,273,000 |
| Noninterest income | 601,000 | 1,188,000 | 1,690,000 | 2,260,000 |
| Noninterest expense | 3,015,000 | 6,057,000 | 9,411,000 | 13,118,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,797,000 | 3,444,000 | 4,293,000 | 4,912,000 |
| Income tax | 548,000 | 1,035,000 | 1,296,000 | 1,400,000 |
| Net income | 1,249,000 | 2,409,000 | 2,997,000 | 3,512,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,998,000 | 55,159,000 | 55,737,000 | 56,257,000 |
| Total capital | 56,843,000 | 58,025,000 | 58,699,000 | 59,325,000 |
| Risk-weighted assets | 223,674,000 | 225,570,000 | 233,509,000 | 241,915,000 |