Call reports 2004
NORTHFIELD SAVINGS BANK — 2004
What NORTHFIELD SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 457,684,000 | 473,524,000 | 477,963,000 | 463,829,000 |
| Total loans | 291,988,000 | 296,362,000 | 306,166,000 | 315,688,000 |
| Allowance for loan losses | 6,551,000 | 6,536,000 | 6,509,000 | 6,516,000 |
| Securities available for sale | 144,653,000 | 153,282,000 | 148,885,000 | 119,667,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 349,023,000 | 378,072,000 | 391,786,000 | 380,346,000 |
| Interest-bearing deposits | 314,234,000 | 337,636,000 | 350,035,000 | 338,324,000 |
| Noninterest-bearing deposits | 34,789,000 | 40,436,000 | 41,751,000 | 42,022,000 |
| Equity capital | 58,761,000 | 56,395,000 | 58,411,000 | 58,637,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 5,234,000 | 10,614,000 | 16,218,000 | 21,869,000 |
| Interest expense | 1,483,000 | 3,101,000 | 4,843,000 | 6,541,000 |
| Net interest income | 3,751,000 | 7,513,000 | 11,375,000 | 15,328,000 |
| Noninterest income | 466,000 | 961,000 | 1,420,000 | 1,907,000 |
| Noninterest expense | 3,422,000 | 6,812,000 | 10,510,000 | 14,164,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,286,000 | 2,166,000 | 2,736,000 | 3,185,000 |
| Income tax | 358,000 | 575,000 | 715,000 | 726,000 |
| Net income | 928,000 | 1,591,000 | 2,021,000 | 2,459,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,186,000 | 57,836,000 | 58,264,000 | 58,705,000 |
| Total capital | 60,394,000 | 61,173,000 | 61,640,000 | 62,167,000 |
| Risk-weighted assets | 253,276,000 | 263,759,000 | 266,985,000 | 273,935,000 |