Call reports 2003
NORTHFIELD BANK — 2003
What NORTHFIELD BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 1,448,642,000 | 1,436,292,000 | 1,428,046,000 | 1,464,708,000 |
| Total loans | 295,494,000 | 290,744,000 | 285,004,000 | 284,124,000 |
| Allowance for loan losses | 2,749,000 | 2,749,000 | 2,749,000 | 2,755,000 |
| Securities available for sale | 802,427,000 | 844,706,000 | 922,894,000 | 938,474,000 |
| Securities held to maturity | 188,888,000 | 125,211,000 | 76,521,000 | 88,365,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,029,342,000 | 1,035,983,000 | 1,025,545,000 | 1,024,240,000 |
| Interest-bearing deposits | 959,285,000 | 964,832,000 | 951,825,000 | 946,762,000 |
| Noninterest-bearing deposits | 70,057,000 | 71,151,000 | 73,720,000 | 77,478,000 |
| Equity capital | 133,232,000 | 135,822,000 | 137,293,000 | 138,058,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 15,708,000 | 31,006,000 | 44,826,000 | 59,353,000 |
| Interest expense | 6,396,000 | 12,188,000 | 17,339,000 | 21,975,000 |
| Net interest income | 9,312,000 | 18,818,000 | 27,487,000 | 37,378,000 |
| Noninterest income | 1,325,000 | 2,589,000 | 4,077,000 | 5,244,000 |
| Noninterest expense | 5,045,000 | 10,162,000 | 15,115,000 | 18,964,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 5,592,000 | 11,245,000 | 16,563,000 | 24,181,000 |
| Income tax | 2,025,000 | 4,109,000 | 6,077,000 | 8,737,000 |
| Net income | 3,567,000 | 7,136,000 | 10,486,000 | 15,445,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 106,895,000 | 110,633,000 | 114,058,000 | 119,344,000 |
| Total capital | 109,644,000 | 113,382,000 | 116,807,000 | 122,099,000 |
| Risk-weighted assets | 663,219,000 | 588,587,000 | 548,767,000 | 536,079,000 |