Call reports 2004
NORTHFIELD BANK — 2004
What NORTHFIELD BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 1,464,856,000 | 1,495,096,000 | 1,468,515,000 | 1,565,522,000 |
| Total loans | 257,917,000 | 271,857,000 | 295,680,000 | 320,790,000 |
| Allowance for loan losses | 2,785,000 | 2,875,000 | 2,965,000 | 3,166,000 |
| Securities available for sale | 1,006,462,000 | 1,028,571,000 | 998,761,000 | 1,012,307,000 |
| Securities held to maturity | 76,271,000 | 64,571,000 | 58,589,000 | 56,148,000 |
| Trading assets | 0 | 0 | 0 | 2,087,000 |
| Total deposits | 1,027,461,000 | 1,039,226,000 | 1,032,318,000 | 1,042,741,000 |
| Interest-bearing deposits | 944,525,000 | 948,061,000 | 947,838,000 | 953,743,000 |
| Noninterest-bearing deposits | 82,936,000 | 91,165,000 | 84,480,000 | 88,998,000 |
| Equity capital | 146,183,000 | 136,414,000 | 149,418,000 | 152,124,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 14,699,000 | 29,408,000 | 44,520,000 | 58,825,000 |
| Interest expense | 4,433,000 | 8,811,000 | 13,463,000 | 18,322,000 |
| Net interest income | 10,266,000 | 20,597,000 | 31,057,000 | 40,503,000 |
| Noninterest income | 1,421,000 | 2,573,000 | 3,841,000 | 5,307,000 |
| Noninterest expense | 4,991,000 | 9,854,000 | 14,823,000 | 19,504,000 |
| Provision for loan losses | 30,000 | 120,000 | 210,000 | 410,000 |
| Pretax income | 6,606,000 | 13,224,000 | 19,936,000 | 25,982,000 |
| Income tax | 2,450,000 | 4,909,000 | 7,403,000 | 9,644,000 |
| Net income | 4,156,000 | 8,315,000 | 12,533,000 | 16,338,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 123,574,000 | 127,810,000 | 132,105,000 | 135,987,000 |
| Total capital | 126,359,000 | 130,685,000 | 135,070,000 | 139,153,000 |
| Risk-weighted assets | 531,312,000 | 507,448,000 | 529,047,000 | 582,430,000 |