Call reports 2013
NORTHFIELD SAVINGS BANK — 2013
What NORTHFIELD SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 757,326,000 | 748,363,000 | 748,431,000 | 754,713,000 |
| Total loans | 486,324,000 | 503,943,000 | 507,015,000 | 517,525,000 |
| Allowance for loan losses | 6,132,000 | 6,058,000 | 6,045,000 | 6,011,000 |
| Securities available for sale | 207,676,000 | 190,408,000 | 185,547,000 | 182,758,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 519,805,000 | 513,427,000 | 525,393,000 | 527,451,000 |
| Interest-bearing deposits | 426,545,000 | 415,766,000 | 426,081,000 | 428,552,000 |
| Noninterest-bearing deposits | 93,261,000 | 97,661,000 | 99,311,000 | 98,899,000 |
| Equity capital | 93,391,000 | 91,149,000 | 91,005,000 | 91,786,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 6,565,000 | 12,992,000 | 19,512,000 | 25,989,000 |
| Interest expense | 1,001,000 | 1,926,000 | 2,885,000 | 3,729,000 |
| Net interest income | 5,564,000 | 11,066,000 | 16,627,000 | 22,260,000 |
| Noninterest income | 1,027,000 | 2,120,000 | 3,197,000 | 4,319,000 |
| Noninterest expense | 4,932,000 | 9,962,000 | 14,962,000 | 19,979,000 |
| Provision for loan losses | 150,000 | 150,000 | 150,000 | 150,000 |
| Pretax income | 1,720,000 | 3,469,000 | 5,107,000 | 6,845,000 |
| Income tax | 320,000 | 660,000 | 970,000 | 1,376,000 |
| Net income | 1,400,000 | 2,809,000 | 4,137,000 | 5,469,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 90,298,000 | 91,707,000 | 93,035,000 | 94,367,000 |
| Total capital | 95,862,000 | 97,449,000 | 98,784,000 | 100,227,000 |
| Risk-weighted assets | 445,794,000 | 458,171,000 | 459,363,000 | 468,615,000 |