Call reports 2012
NORTHFIELD SAVINGS BANK — 2012
What NORTHFIELD SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 681,760,000 | 713,381,000 | 720,885,000 | 731,341,000 |
| Total loans | 451,930,000 | 476,204,000 | 483,305,000 | 490,698,000 |
| Allowance for loan losses | 5,749,000 | 5,716,000 | 5,772,000 | 5,987,000 |
| Securities available for sale | 184,533,000 | 191,680,000 | 191,083,000 | 187,305,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 506,312,000 | 502,093,000 | 512,263,000 | 518,737,000 |
| Interest-bearing deposits | 423,336,000 | 418,599,000 | 424,983,000 | 423,909,000 |
| Noninterest-bearing deposits | 82,976,000 | 83,494,000 | 87,280,000 | 94,829,000 |
| Equity capital | 87,301,000 | 90,212,000 | 91,575,000 | 92,539,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 6,629,000 | 13,220,000 | 19,825,000 | 26,452,000 |
| Interest expense | 1,284,000 | 2,523,000 | 3,723,000 | 4,848,000 |
| Net interest income | 5,345,000 | 10,697,000 | 16,102,000 | 21,604,000 |
| Noninterest income | 958,000 | 2,040,000 | 3,139,000 | 4,311,000 |
| Noninterest expense | 4,830,000 | 9,661,000 | 14,687,000 | 19,762,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 450,000 |
| Pretax income | 1,997,000 | 3,543,000 | 5,070,000 | 6,445,000 |
| Income tax | 417,000 | 719,000 | 1,021,000 | 1,261,000 |
| Net income | 1,580,000 | 2,824,000 | 4,049,000 | 5,184,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 85,294,000 | 86,538,000 | 87,763,000 | 88,898,000 |
| Total capital | 90,450,000 | 91,952,000 | 93,244,000 | 94,484,000 |
| Risk-weighted assets | 411,639,000 | 434,430,000 | 437,890,000 | 446,040,000 |