Call reports 2010
NORTHFIELD SAVINGS BANK — 2010
What NORTHFIELD SAVINGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 606,378,000 | 619,234,000 | 633,638,000 | 629,919,000 |
| Total loans | 437,905,000 | 438,071,000 | 434,944,000 | 434,040,000 |
| Allowance for loan losses | 5,493,000 | 5,583,000 | 5,653,000 | 5,873,000 |
| Securities available for sale | 124,896,000 | 136,535,000 | 155,783,000 | 152,261,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 466,646,000 | 470,903,000 | 483,396,000 | 480,825,000 |
| Interest-bearing deposits | 405,461,000 | 407,063,000 | 414,516,000 | 412,655,000 |
| Noninterest-bearing deposits | 61,185,000 | 63,840,000 | 68,880,000 | 68,170,000 |
| Equity capital | 77,070,000 | 79,171,000 | 80,565,000 | 79,802,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 6,953,000 | 13,927,000 | 20,890,000 | 27,750,000 |
| Interest expense | 1,899,000 | 3,716,000 | 5,473,000 | 7,092,000 |
| Net interest income | 5,054,000 | 10,211,000 | 15,417,000 | 20,658,000 |
| Noninterest income | 700,000 | 1,440,000 | 2,184,000 | 2,959,000 |
| Noninterest expense | 4,309,000 | 8,609,000 | 13,076,000 | 17,812,000 |
| Provision for loan losses | 255,000 | 405,000 | 660,000 | 915,000 |
| Pretax income | 1,220,000 | 2,753,000 | 3,981,000 | 5,006,000 |
| Income tax | 189,000 | 487,000 | 682,000 | 802,000 |
| Net income | 1,031,000 | 2,266,000 | 3,299,000 | 4,204,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 75,635,000 | 76,869,000 | 77,902,000 | 78,807,000 |
| Total capital | 80,607,000 | 81,828,000 | 82,804,000 | 83,673,000 |
| Risk-weighted assets | 394,135,000 | 396,932,000 | 391,214,000 | 388,588,000 |