Call reports 2006
NORTHFIELD BANK — 2006
What NORTHFIELD BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 1,375,893,000 | 1,352,167,000 | 1,338,213,000 | 1,293,628,000 |
| Total loans | 400,511,000 | 410,466,000 | 415,382,000 | 409,189,000 |
| Allowance for loan losses | 4,945,000 | 5,005,000 | 5,349,000 | 5,063,000 |
| Securities available for sale | 820,488,000 | 781,663,000 | 753,971,000 | 713,098,000 |
| Securities held to maturity | 32,303,000 | 30,041,000 | 27,965,000 | 26,169,000 |
| Trading assets | 2,631,000 | 2,782,000 | 2,897,000 | 2,667,000 |
| Total deposits | 1,007,984,000 | 1,005,525,000 | 1,014,932,000 | 991,128,000 |
| Interest-bearing deposits | 913,865,000 | 913,090,000 | 924,061,000 | 894,389,000 |
| Noninterest-bearing deposits | 94,119,000 | 92,435,000 | 90,871,000 | 96,739,000 |
| Equity capital | 148,285,000 | 149,786,000 | 160,270,000 | 164,308,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 16,061,000 | 32,374,000 | 48,590,000 | 64,752,000 |
| Interest expense | 6,410,000 | 13,328,000 | 20,792,000 | 28,441,000 |
| Net interest income | 9,651,000 | 19,046,000 | 27,798,000 | 36,311,000 |
| Noninterest income | 1,215,000 | 2,225,000 | 3,532,000 | 4,820,000 |
| Noninterest expense | 5,639,000 | 11,282,000 | 18,506,000 | 23,744,000 |
| Provision for loan losses | 150,000 | 210,000 | 554,000 | 268,000 |
| Pretax income | 5,088,000 | 9,779,000 | 12,332,000 | 17,181,000 |
| Income tax | 1,912,000 | 3,666,000 | 4,582,000 | 6,403,000 |
| Net income | 3,176,000 | 6,113,000 | 7,750,000 | 10,778,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 153,129,000 | 156,100,000 | 157,857,000 | 160,972,000 |
| Total capital | 158,164,000 | 161,274,000 | 163,374,000 | 166,177,000 |
| Risk-weighted assets | 668,295,000 | 673,752,000 | 682,083,000 | 661,919,000 |