Call reports 2016
NORTHFIELD SAVINGS BANK — 2016
What NORTHFIELD SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 853,104,000 | 875,900,000 | 883,320,000 | 904,883,000 |
| Total loans | 622,884,000 | 646,930,000 | 658,032,000 | 682,897,000 |
| Allowance for loan losses | 7,165,000 | 7,279,000 | 7,439,000 | 7,571,000 |
| Securities available for sale | 169,026,000 | 167,575,000 | 164,132,000 | 156,234,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 614,334,000 | 615,888,000 | 631,692,000 | 639,535,000 |
| Interest-bearing deposits | 483,362,000 | 486,471,000 | 487,531,000 | 506,175,000 |
| Noninterest-bearing deposits | 130,972,000 | 129,417,000 | 144,161,000 | 133,360,000 |
| Equity capital | 107,754,000 | 109,906,000 | 110,685,000 | 108,493,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 7,412,000 | 14,912,000 | 22,515,000 | 30,294,000 |
| Interest expense | 1,020,000 | 2,008,000 | 3,014,000 | 4,055,000 |
| Net interest income | 6,392,000 | 12,904,000 | 19,501,000 | 26,239,000 |
| Noninterest income | 1,156,000 | 2,340,000 | 3,674,000 | 5,138,000 |
| Noninterest expense | 6,056,000 | 12,013,000 | 18,106,000 | 24,994,000 |
| Provision for loan losses | 188,000 | 375,000 | 563,000 | 750,000 |
| Pretax income | 1,581,000 | 3,352,000 | 5,025,000 | 6,025,000 |
| Income tax | 371,000 | 805,000 | 1,204,000 | 1,194,000 |
| Net income | 1,210,000 | 2,547,000 | 3,821,000 | 4,831,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 104,721,000 | 106,058,000 | 107,331,000 | 108,342,000 |
| Total capital | 112,054,000 | 113,653,000 | 114,979,000 | 116,248,000 |
| Risk-weighted assets | 586,345,000 | 607,652,000 | 611,733,000 | 632,441,000 |