Call reports 2004
METUCHEN SAVINGS BANK — 2004
What METUCHEN SAVINGS 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 | 278,525,000 | 277,030,000 | 278,676,000 | 273,318,000 |
| Total loans | 157,435,000 | 156,306,000 | 156,150,000 | 154,912,000 |
| Allowance for loan losses | 1,694,000 | 1,694,000 | 1,694,000 | 1,694,000 |
| Securities available for sale | 63,288,000 | 66,162,000 | 40,645,000 | 40,364,000 |
| Securities held to maturity | 28,904,000 | 28,716,000 | 31,538,000 | 46,315,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 253,942,000 | 253,642,000 | 255,842,000 | 251,258,000 |
| Interest-bearing deposits | 241,119,000 | 239,480,000 | 241,971,000 | 239,773,000 |
| Noninterest-bearing deposits | 12,823,000 | 14,162,000 | 13,871,000 | 11,485,000 |
| Equity capital | 20,293,000 | 19,353,000 | 20,324,000 | 20,574,000 |
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 | 3,382,000 | 6,761,000 | 10,095,000 | 13,437,000 |
| Interest expense | 1,148,000 | 2,278,000 | 3,399,000 | 4,488,000 |
| Net interest income | 2,234,000 | 4,483,000 | 6,696,000 | 8,949,000 |
| Noninterest income | 35,000 | 98,000 | 144,000 | 183,000 |
| Noninterest expense | 1,636,000 | 3,205,000 | 4,730,000 | 6,424,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 633,000 | 1,376,000 | 2,132,000 | 2,730,000 |
| Income tax | 259,000 | 552,000 | 861,000 | 1,094,000 |
| Net income | 374,000 | 824,000 | 1,271,000 | 1,636,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,627,000 | 20,077,000 | 20,524,000 | 20,889,000 |
| Total capital | 21,188,000 | 21,652,000 | 22,098,000 | 22,430,000 |
| Risk-weighted assets | 124,781,000 | 125,854,000 | 125,830,000 | 123,150,000 |
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