Call reports 2006
NORTHFIELD SAVINGS BANK — 2006
What NORTHFIELD SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 527,606,000 | 533,386,000 | 556,818,000 | 564,049,000 |
| Total loans | 387,134,000 | 397,692,000 | 404,253,000 | 407,120,000 |
| Allowance for loan losses | 6,610,000 | 6,657,000 | 6,659,000 | 6,630,000 |
| Securities available for sale | 100,486,000 | 95,944,000 | 108,655,000 | 113,316,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 438,698,000 | 441,503,000 | 472,608,000 | 468,988,000 |
| Interest-bearing deposits | 388,957,000 | 391,441,000 | 420,226,000 | 414,197,000 |
| Noninterest-bearing deposits | 49,741,000 | 50,062,000 | 52,382,000 | 54,791,000 |
| Equity capital | 61,592,000 | 61,483,000 | 63,160,000 | 64,212,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 6,867,000 | 13,992,000 | 21,410,000 | 29,130,000 |
| Interest expense | 2,694,000 | 5,832,000 | 9,350,000 | 13,288,000 |
| Net interest income | 4,173,000 | 8,160,000 | 12,060,000 | 15,842,000 |
| Noninterest income | 571,000 | 1,222,000 | 1,995,000 | 2,788,000 |
| Noninterest expense | 3,851,000 | 7,745,000 | 11,540,000 | 15,318,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 893,000 | 1,637,000 | 2,515,000 | 3,105,000 |
| Income tax | 94,000 | 140,000 | 226,000 | 245,000 |
| Net income | 799,000 | 1,497,000 | 2,289,000 | 2,860,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,967,000 | 63,627,000 | 64,460,000 | 65,028,000 |
| Total capital | 67,161,000 | 67,949,000 | 68,915,000 | 69,564,000 |
| Risk-weighted assets | 333,135,000 | 343,394,000 | 354,223,000 | 360,760,000 |