Call reports 2015
NORTHFIELD SAVINGS BANK — 2015
What NORTHFIELD SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 804,875,000 | 820,236,000 | 832,242,000 | 861,808,000 |
| Total loans | 562,418,000 | 579,616,000 | 592,721,000 | 625,782,000 |
| Allowance for loan losses | 6,585,000 | 6,634,000 | 6,781,000 | 7,001,000 |
| Securities available for sale | 180,685,000 | 179,049,000 | 160,183,000 | 171,780,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 569,697,000 | 569,090,000 | 590,121,000 | 594,502,000 |
| Interest-bearing deposits | 450,869,000 | 449,424,000 | 460,227,000 | 459,199,000 |
| Noninterest-bearing deposits | 118,828,000 | 119,667,000 | 129,894,000 | 135,303,000 |
| Equity capital | 102,351,000 | 101,893,000 | 104,539,000 | 104,200,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 6,838,000 | 13,744,000 | 20,869,000 | 28,090,000 |
| Interest expense | 914,000 | 1,828,000 | 2,768,000 | 3,756,000 |
| Net interest income | 5,924,000 | 11,916,000 | 18,101,000 | 24,334,000 |
| Noninterest income | 1,079,000 | 2,204,000 | 3,449,000 | 4,743,000 |
| Noninterest expense | 5,452,000 | 10,879,000 | 16,470,000 | 22,765,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 675,000 |
| Pretax income | 1,555,000 | 3,094,000 | 4,918,000 | 5,925,000 |
| Income tax | 434,000 | 862,000 | 1,375,000 | 1,578,000 |
| Net income | 1,121,000 | 2,232,000 | 3,543,000 | 4,347,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 100,325,000 | 101,435,000 | 102,748,000 | 103,511,000 |
| Total capital | 106,696,000 | 107,970,000 | 109,475,000 | 110,847,000 |
| Risk-weighted assets | 509,162,000 | 522,364,000 | 537,796,000 | 591,895,000 |