Call reports 2009
METUCHEN SAVINGS BANK — 2009
What METUCHEN SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 287,773,000 | 310,626,000 | 315,537,000 | 324,007,000 |
| Total loans | 186,633,000 | 169,424,000 | 160,570,000 | 149,911,000 |
| Allowance for loan losses | 1,905,000 | 1,806,000 | 1,806,000 | 1,532,000 |
| Securities available for sale | 35,493,000 | 57,572,000 | 81,858,000 | 99,466,000 |
| Securities held to maturity | 19,296,000 | 19,040,000 | 18,859,000 | 18,398,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 225,439,000 | 248,909,000 | 254,815,000 | 264,998,000 |
| Interest-bearing deposits | 218,904,000 | 242,297,000 | 247,272,000 | 257,525,000 |
| Noninterest-bearing deposits | 6,535,000 | 6,612,000 | 7,543,000 | 7,473,000 |
| Equity capital | 24,416,000 | 24,594,000 | 24,290,000 | 23,732,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,275,000 | 6,398,000 | 9,449,000 | 12,471,000 |
| Interest expense | 1,510,000 | 2,998,000 | 4,360,000 | 5,710,000 |
| Net interest income | 1,765,000 | 3,400,000 | 5,089,000 | 6,761,000 |
| Noninterest income | 358,000 | 666,000 | 832,000 | 1,012,000 |
| Noninterest expense | 1,666,000 | 3,396,000 | 5,103,000 | 6,930,000 |
| Provision for loan losses | 0 | 0 | 0 | 250,000 |
| Pretax income | 457,000 | 670,000 | 815,000 | 592,000 |
| Income tax | 187,000 | 269,000 | 328,000 | 239,000 |
| Net income | 270,000 | 401,000 | 487,000 | 353,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,301,000 | 25,425,000 | 25,508,000 | 25,374,000 |
| Total capital | 27,003,000 | 27,113,000 | 27,314,000 | 26,738,000 |
| Risk-weighted assets | 135,922,000 | 134,127,000 | 172,760,000 | 134,017,000 |
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