Call reports 2008
NORTHFIELD SAVINGS BANK — 2008
What NORTHFIELD SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 557,428,000 | 573,944,000 | 579,720,000 | 587,991,000 |
| Total loans | 417,463,000 | 430,483,000 | 442,016,000 | 450,671,000 |
| Allowance for loan losses | 4,129,000 | 4,178,000 | 4,283,000 | 4,450,000 |
| Securities available for sale | 96,925,000 | 98,202,000 | 88,369,000 | 94,598,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 436,331,000 | 438,945,000 | 447,960,000 | 447,769,000 |
| Interest-bearing deposits | 383,317,000 | 383,109,000 | 389,589,000 | 396,305,000 |
| Noninterest-bearing deposits | 53,014,000 | 55,836,000 | 58,371,000 | 51,464,000 |
| Equity capital | 69,973,000 | 69,780,000 | 70,606,000 | 71,579,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 7,659,000 | 15,208,000 | 22,940,000 | 30,368,000 |
| Interest expense | 3,745,000 | 7,082,000 | 10,290,000 | 13,250,000 |
| Net interest income | 3,914,000 | 8,126,000 | 12,650,000 | 17,118,000 |
| Noninterest income | 641,000 | 1,326,000 | 2,044,000 | 2,757,000 |
| Noninterest expense | 3,982,000 | 7,872,000 | 11,774,000 | 16,016,000 |
| Provision for loan losses | 0 | 124,000 | 273,000 | 423,000 |
| Pretax income | 852,000 | 1,479,000 | 2,520,000 | 3,155,000 |
| Income tax | 83,000 | 91,000 | 254,000 | 257,000 |
| Net income | 769,000 | 1,388,000 | 2,266,000 | 2,898,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 69,030,000 | 69,721,000 | 70,527,000 | 71,060,000 |
| Total capital | 73,287,000 | 74,049,000 | 74,983,000 | 75,710,000 |
| Risk-weighted assets | 366,410,000 | 376,601,000 | 381,326,000 | 389,271,000 |