Call reports 2013
METUCHEN SAVINGS BANK — 2013
What METUCHEN SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 271,402,000 | 265,055,000 | 260,960,000 | 261,119,000 |
| Total loans | 124,719,000 | 122,358,000 | 122,161,000 | 123,232,000 |
| Allowance for loan losses | 1,138,000 | 1,136,000 | 1,139,000 | 1,138,000 |
| Securities available for sale | 104,551,000 | 101,661,000 | 87,100,000 | 106,193,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 238,039,000 | 236,081,000 | 233,383,000 | 227,242,000 |
| Interest-bearing deposits | 226,173,000 | 223,259,000 | 220,350,000 | 215,782,000 |
| Noninterest-bearing deposits | 11,866,000 | 12,822,000 | 13,033,000 | 11,460,000 |
| Equity capital | 28,703,000 | 26,302,000 | 25,694,000 | 25,141,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,059,000 | 4,122,000 | 6,110,000 | 8,123,000 |
| Interest expense | 391,000 | 763,000 | 1,090,000 | 1,410,000 |
| Net interest income | 1,668,000 | 3,359,000 | 5,020,000 | 6,713,000 |
| Noninterest income | 183,000 | 440,000 | 636,000 | 692,000 |
| Noninterest expense | 1,844,000 | 3,638,000 | 5,430,000 | 7,150,000 |
| Provision for loan losses | -4,000 | -6,000 | -3,000 | -4,000 |
| Pretax income | 598,000 | 762,000 | 889,000 | 919,000 |
| Income tax | 239,000 | 307,000 | 359,000 | 370,000 |
| Net income | 359,000 | 455,000 | 530,000 | 549,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,988,000 | 28,085,000 | 28,161,000 | 28,181,000 |
| Total capital | 29,126,000 | 29,221,000 | 29,300,000 | 29,319,000 |
| Risk-weighted assets | 109,284,000 | 110,107,000 | 110,666,000 | 111,314,000 |