Call reports 2007
METUCHEN SAVINGS BANK — 2007
What METUCHEN SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 281,587,000 | 277,274,000 | 275,829,000 | 276,273,000 |
| Total loans | 165,784,000 | 163,048,000 | 164,440,000 | 169,087,000 |
| Allowance for loan losses | 1,685,000 | 1,685,000 | 1,685,000 | 1,685,000 |
| Securities available for sale | 36,611,000 | 36,059,000 | 46,844,000 | 48,325,000 |
| Securities held to maturity | 50,546,000 | 50,361,000 | 50,178,000 | 47,125,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 212,066,000 | 213,767,000 | 206,394,000 | 201,168,000 |
| Interest-bearing deposits | 205,126,000 | 207,583,000 | 199,793,000 | 195,204,000 |
| Noninterest-bearing deposits | 6,940,000 | 6,184,000 | 6,601,000 | 5,964,000 |
| Equity capital | 22,320,000 | 22,337,000 | 22,928,000 | 23,225,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,692,000 | 7,390,000 | 11,088,000 | 14,820,000 |
| Interest expense | 2,114,000 | 4,221,000 | 6,386,000 | 8,563,000 |
| Net interest income | 1,578,000 | 3,169,000 | 4,702,000 | 6,257,000 |
| Noninterest income | 81,000 | 205,000 | 275,000 | 350,000 |
| Noninterest expense | 1,599,000 | 3,071,000 | 4,573,000 | 5,971,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 60,000 | 303,000 | 404,000 | 636,000 |
| Income tax | 32,000 | 121,000 | 162,000 | 247,000 |
| Net income | 28,000 | 182,000 | 242,000 | 389,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,866,000 | 24,020,000 | 24,079,000 | 24,227,000 |
| Total capital | 25,500,000 | 25,607,000 | 25,675,000 | 25,839,000 |
| Risk-weighted assets | 130,644,000 | 126,831,000 | 127,573,000 | 128,899,000 |
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