Call reports 2012
METUCHEN SAVINGS BANK — 2012
What METUCHEN SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 265,385,000 | 264,985,000 | 268,444,000 | 266,104,000 |
| Total loans | 133,172,000 | 131,087,000 | 129,574,000 | 125,323,000 |
| Allowance for loan losses | 1,297,000 | 1,297,000 | 1,268,000 | 1,194,000 |
| Securities available for sale | 101,401,000 | 106,785,000 | 105,736,000 | 99,846,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 229,772,000 | 231,130,000 | 232,740,000 | 230,847,000 |
| Interest-bearing deposits | 219,726,000 | 219,820,000 | 221,671,000 | 220,488,000 |
| Noninterest-bearing deposits | 10,046,000 | 11,310,000 | 11,069,000 | 10,359,000 |
| Equity capital | 27,534,000 | 28,350,000 | 29,575,000 | 29,296,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,430,000 | 4,719,000 | 6,959,000 | 9,196,000 |
| Interest expense | 480,000 | 924,000 | 1,353,000 | 1,779,000 |
| Net interest income | 1,950,000 | 3,795,000 | 5,606,000 | 7,417,000 |
| Noninterest income | 174,000 | 420,000 | 705,000 | 975,000 |
| Noninterest expense | 1,754,000 | 3,589,000 | 5,340,000 | 7,195,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 370,000 | 685,000 | 1,030,000 | 1,256,000 |
| Income tax | 151,000 | 275,000 | 416,000 | 508,000 |
| Net income | 219,000 | 410,000 | 614,000 | 748,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,105,000 | 27,295,000 | 27,498,000 | 27,631,000 |
| Total capital | 28,402,000 | 28,592,000 | 28,766,000 | 28,825,000 |
| Risk-weighted assets | 109,999,000 | 108,713,000 | 110,222,000 | 107,400,000 |