Call reports 2008
METUCHEN SAVINGS BANK — 2008
What METUCHEN SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 274,214,000 | 277,078,000 | 269,052,000 | 268,613,000 |
| Total loans | 176,557,000 | 181,969,000 | 186,033,000 | 192,349,000 |
| Allowance for loan losses | 1,685,000 | 1,735,000 | 1,815,000 | 1,905,000 |
| Securities available for sale | 46,479,000 | 42,920,000 | 36,939,000 | 32,550,000 |
| Securities held to maturity | 24,645,000 | 24,466,000 | 24,318,000 | 19,553,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 205,457,000 | 211,409,000 | 203,115,000 | 202,103,000 |
| Interest-bearing deposits | 200,062,000 | 204,078,000 | 196,868,000 | 196,220,000 |
| Noninterest-bearing deposits | 5,395,000 | 7,331,000 | 6,247,000 | 5,883,000 |
| Equity capital | 23,530,000 | 23,436,000 | 23,290,000 | 23,976,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,617,000 | 7,165,000 | 10,702,000 | 14,102,000 |
| Interest expense | 1,973,000 | 3,756,000 | 5,368,000 | 6,896,000 |
| Net interest income | 1,644,000 | 3,409,000 | 5,334,000 | 7,206,000 |
| Noninterest income | 73,000 | 198,000 | 266,000 | 369,000 |
| Noninterest expense | 1,490,000 | 2,966,000 | 4,590,000 | 6,078,000 |
| Provision for loan losses | 0 | 50,000 | 130,000 | 220,000 |
| Pretax income | 297,000 | 661,000 | 950,000 | 1,347,000 |
| Income tax | 122,000 | 266,000 | 413,000 | 543,000 |
| Net income | 175,000 | 395,000 | 537,000 | 804,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,402,000 | 24,622,000 | 24,764,000 | 25,031,000 |
| Total capital | 26,043,000 | 26,282,000 | 26,417,000 | 26,713,000 |
| Risk-weighted assets | 131,240,000 | 132,742,000 | 132,066,000 | 134,317,000 |
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