Call reports 2005
NORTHFIELD SAVINGS BANK — 2005
What NORTHFIELD SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 470,294,000 | 474,623,000 | 510,690,000 | 515,567,000 |
| Total loans | 322,168,000 | 345,631,000 | 364,536,000 | 375,127,000 |
| Allowance for loan losses | 6,558,000 | 6,586,000 | 6,591,000 | 6,603,000 |
| Securities available for sale | 117,483,000 | 97,930,000 | 104,863,000 | 104,288,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 382,536,000 | 383,524,000 | 424,925,000 | 424,125,000 |
| Interest-bearing deposits | 340,725,000 | 339,954,000 | 374,829,000 | 373,419,000 |
| Noninterest-bearing deposits | 41,811,000 | 43,570,000 | 50,096,000 | 50,706,000 |
| Equity capital | 58,578,000 | 60,343,000 | 60,443,000 | 60,892,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 5,674,000 | 11,655,000 | 17,936,000 | 24,688,000 |
| Interest expense | 1,601,000 | 3,387,000 | 5,464,000 | 7,893,000 |
| Net interest income | 4,073,000 | 8,268,000 | 12,472,000 | 16,795,000 |
| Noninterest income | 489,000 | 1,101,000 | 1,592,000 | 2,196,000 |
| Noninterest expense | 3,604,000 | 7,196,000 | 11,016,000 | 14,931,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,029,000 | 2,294,000 | 3,028,000 | 4,051,000 |
| Income tax | 174,000 | 415,000 | 456,000 | 579,000 |
| Net income | 855,000 | 1,879,000 | 2,572,000 | 3,472,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,558,000 | 60,574,000 | 61,257,000 | 62,152,000 |
| Total capital | 63,080,000 | 64,276,000 | 65,196,000 | 66,228,000 |
| Risk-weighted assets | 278,713,000 | 293,267,000 | 312,476,000 | 323,555,000 |