Call reports 2005
NORTHFIELD BANK — 2005
What NORTHFIELD BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 1,545,714,000 | 1,522,110,000 | 1,456,661,000 | 1,407,557,000 |
| Total loans | 343,985,000 | 373,460,000 | 391,696,000 | 387,467,000 |
| Allowance for loan losses | 3,466,000 | 3,971,000 | 4,470,000 | 4,795,000 |
| Securities available for sale | 1,043,202,000 | 1,009,512,000 | 932,246,000 | 863,064,000 |
| Securities held to maturity | 53,053,000 | 43,023,000 | 38,594,000 | 34,840,000 |
| Trading assets | 0 | 2,284,000 | 2,399,000 | 2,360,000 |
| Total deposits | 1,048,392,000 | 1,041,320,000 | 1,021,138,000 | 1,011,854,000 |
| Interest-bearing deposits | 957,343,000 | 947,592,000 | 923,125,000 | 912,214,000 |
| Noninterest-bearing deposits | 91,049,000 | 93,728,000 | 98,013,000 | 99,640,000 |
| Equity capital | 145,764,000 | 157,541,000 | 152,780,000 | 152,002,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 16,125,000 | 33,045,000 | 49,721,000 | 66,176,000 |
| Interest expense | 5,536,000 | 11,545,000 | 17,747,000 | 24,234,000 |
| Net interest income | 10,589,000 | 21,500,000 | 31,974,000 | 41,942,000 |
| Noninterest income | 1,060,000 | 2,247,000 | 3,402,000 | 4,505,000 |
| Noninterest expense | 5,202,000 | 10,825,000 | 16,219,000 | 21,209,000 |
| Provision for loan losses | 300,000 | 805,000 | 1,304,000 | 1,629,000 |
| Pretax income | 6,195,000 | 12,197,000 | 17,942,000 | 23,727,000 |
| Income tax | 2,360,000 | 4,636,000 | 6,817,000 | 10,465,000 |
| Net income | 3,835,000 | 7,561,000 | 11,125,000 | 13,262,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 139,899,000 | 143,860,000 | 147,587,000 | 149,841,000 |
| Total capital | 143,365,000 | 147,831,000 | 152,057,000 | 154,636,000 |
| Risk-weighted assets | 607,633,000 | 652,871,000 | 660,229,000 | 649,849,000 |