Call reports 2014
METUCHEN SAVINGS BANK — 2014
What METUCHEN SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 265,441,000 | 266,204,000 | 259,181,000 | 262,095,000 |
| Total loans | 126,028,000 | 135,088,000 | 137,118,000 | 145,710,000 |
| Allowance for loan losses | 1,135,000 | 1,163,000 | 1,205,000 | 1,121,000 |
| Securities available for sale | 89,246,000 | 87,926,000 | 73,187,000 | 65,818,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 231,101,000 | 230,917,000 | 225,032,000 | 227,441,000 |
| Interest-bearing deposits | 217,780,000 | 217,085,000 | 211,367,000 | 213,070,000 |
| Noninterest-bearing deposits | 13,321,000 | 13,832,000 | 13,665,000 | 14,371,000 |
| Equity capital | 25,754,000 | 26,476,000 | 26,313,000 | 26,533,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,911,000 | 3,799,000 | 5,726,000 | 7,625,000 |
| Interest expense | 312,000 | 618,000 | 922,000 | 1,223,000 |
| Net interest income | 1,599,000 | 3,181,000 | 4,804,000 | 6,402,000 |
| Noninterest income | 83,000 | 223,000 | 353,000 | 515,000 |
| Noninterest expense | 1,747,000 | 3,406,000 | 5,138,000 | 7,799,000 |
| Provision for loan losses | -3,000 | 25,000 | 67,000 | 135,000 |
| Pretax income | 450,000 | 508,000 | 585,000 | -359,000 |
| Income tax | 184,000 | 205,000 | 240,000 | -141,000 |
| Net income | 266,000 | 303,000 | 345,000 | -218,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,446,000 | 27,838,000 | 28,525,000 | 27,962,000 |
| Total capital | 29,581,000 | 29,001,000 | 29,730,000 | 29,083,000 |
| Risk-weighted assets | 113,657,000 | 119,823,000 | 120,074,000 | 126,259,000 |