Call reports 2010
METUCHEN SAVINGS BANK — 2010
What METUCHEN SAVINGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 319,082,000 | 315,122,000 | 299,476,000 | 289,556,000 |
| Total loans | 143,567,000 | 142,079,000 | 137,825,000 | 137,891,000 |
| Allowance for loan losses | 1,532,000 | 1,532,000 | 1,490,000 | 1,375,000 |
| Securities available for sale | 103,081,000 | 116,197,000 | 116,680,000 | 99,028,000 |
| Securities held to maturity | 18,184,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 263,548,000 | 258,478,000 | 245,354,000 | 237,397,000 |
| Interest-bearing deposits | 255,557,000 | 249,701,000 | 236,316,000 | 227,517,000 |
| Noninterest-bearing deposits | 7,991,000 | 8,777,000 | 9,038,000 | 9,880,000 |
| Equity capital | 24,208,000 | 24,872,000 | 25,112,000 | 23,715,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,914,000 | 5,865,000 | 8,681,000 | 11,363,000 |
| Interest expense | 1,162,000 | 2,196,000 | 3,149,000 | 3,963,000 |
| Net interest income | 1,752,000 | 3,669,000 | 5,532,000 | 7,400,000 |
| Noninterest income | 142,000 | 274,000 | 527,000 | 723,000 |
| Noninterest expense | 1,779,000 | 3,671,000 | 5,415,000 | 7,312,000 |
| Provision for loan losses | 0 | 676,000 | 676,000 | 676,000 |
| Pretax income | 120,000 | 600,000 | 972,000 | 1,139,000 |
| Income tax | 49,000 | 241,000 | 393,000 | 459,000 |
| Net income | 71,000 | 359,000 | 579,000 | 680,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,444,000 | 25,733,000 | 25,952,000 | 26,053,000 |
| Total capital | 26,976,000 | 27,265,000 | 27,442,000 | 27,428,000 |
| Risk-weighted assets | 130,301,000 | 128,779,000 | 122,677,000 | 119,648,000 |