Call reports 2007
NORTHFIELD SAVINGS BANK — 2007
What NORTHFIELD SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 556,815,000 | 543,933,000 | 558,580,000 | 562,854,000 |
| Total loans | 401,249,000 | 407,126,000 | 415,609,000 | 421,002,000 |
| Allowance for loan losses | 6,633,000 | 6,642,000 | 4,100,000 | 4,096,000 |
| Securities available for sale | 76,016,000 | 90,674,000 | 97,950,000 | 94,030,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 458,767,000 | 451,162,000 | 457,604,000 | 448,653,000 |
| Interest-bearing deposits | 405,236,000 | 395,739,000 | 403,854,000 | 388,609,000 |
| Noninterest-bearing deposits | 53,531,000 | 55,423,000 | 53,750,000 | 60,043,000 |
| Equity capital | 64,899,000 | 64,734,000 | 67,782,000 | 68,892,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 7,774,000 | 15,538,000 | 23,413,000 | 31,406,000 |
| Interest expense | 3,961,000 | 7,881,000 | 11,836,000 | 15,858,000 |
| Net interest income | 3,813,000 | 7,657,000 | 11,577,000 | 15,548,000 |
| Noninterest income | 645,000 | 1,428,000 | 2,141,000 | 2,925,000 |
| Noninterest expense | 3,892,000 | 7,813,000 | 11,653,000 | 15,907,000 |
| Provision for loan losses | 0 | 0 | -2,542,000 | -2,542,000 |
| Pretax income | -561,000 | 145,000 | 3,480,000 | 3,961,000 |
| Income tax | -391,000 | -352,000 | 589,000 | 548,000 |
| Net income | -170,000 | 497,000 | 2,891,000 | 3,413,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 64,857,000 | 65,517,000 | 67,885,000 | 68,409,000 |
| Total capital | 69,334,000 | 70,032,000 | 71,985,000 | 72,505,000 |
| Risk-weighted assets | 356,041,000 | 358,886,000 | 369,322,000 | 370,985,000 |