Call reports 2009
NORTHFIELD SAVINGS BANK — 2009
What NORTHFIELD SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 605,254,000 | 594,135,000 | 612,199,000 | 608,488,000 |
| Total loans | 450,180,000 | 441,318,000 | 439,442,000 | 442,979,000 |
| Allowance for loan losses | 4,639,000 | 4,787,000 | 5,071,000 | 5,207,000 |
| Securities available for sale | 113,575,000 | 108,945,000 | 129,986,000 | 121,417,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 464,772,000 | 459,655,000 | 465,007,000 | 471,818,000 |
| Interest-bearing deposits | 404,304,000 | 400,727,000 | 406,590,000 | 411,358,000 |
| Noninterest-bearing deposits | 60,468,000 | 58,927,000 | 58,417,000 | 60,460,000 |
| Equity capital | 73,069,000 | 73,694,000 | 75,282,000 | 76,131,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 7,416,000 | 14,676,000 | 21,897,000 | 29,082,000 |
| Interest expense | 2,819,000 | 5,499,000 | 7,963,000 | 10,196,000 |
| Net interest income | 4,597,000 | 9,177,000 | 13,934,000 | 18,886,000 |
| Noninterest income | 681,000 | 1,576,000 | 2,466,000 | 3,224,000 |
| Noninterest expense | 4,146,000 | 8,579,000 | 12,759,000 | 17,403,000 |
| Provision for loan losses | 150,000 | 300,000 | 675,000 | 1,050,000 |
| Pretax income | 884,000 | 1,726,000 | 2,818,000 | 3,714,000 |
| Income tax | 83,000 | 147,000 | 290,000 | 364,000 |
| Net income | 801,000 | 1,579,000 | 2,528,000 | 3,350,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 71,821,000 | 72,832,000 | 73,781,000 | 74,603,000 |
| Total capital | 76,660,000 | 77,730,000 | 78,773,000 | 79,635,000 |
| Risk-weighted assets | 392,917,000 | 391,502,000 | 396,132,000 | 399,032,000 |