Call reports 2015
METUCHEN SAVINGS BANK — 2015
What METUCHEN SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 264,358,000 | 258,878,000 | 274,279,000 | 273,670,000 |
| Total loans | 146,322,000 | 145,420,000 | 141,170,000 | 142,507,000 |
| Allowance for loan losses | 1,128,000 | 1,097,000 | 1,106,000 | 1,130,000 |
| Securities available for sale | 69,922,000 | 72,209,000 | 72,592,000 | 70,242,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 229,415,000 | 224,128,000 | 239,527,000 | 239,557,000 |
| Interest-bearing deposits | 214,663,000 | 209,648,000 | 224,901,000 | 225,240,000 |
| Noninterest-bearing deposits | 14,752,000 | 14,480,000 | 14,626,000 | 14,317,000 |
| Equity capital | 26,997,000 | 26,683,000 | 27,297,000 | 26,710,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,850,000 | 3,714,000 | 5,528,000 | 7,247,000 |
| Interest expense | 292,000 | 586,000 | 882,000 | 1,183,000 |
| Net interest income | 1,558,000 | 3,128,000 | 4,646,000 | 6,064,000 |
| Noninterest income | 124,000 | 310,000 | 443,000 | 639,000 |
| Noninterest expense | 1,675,000 | 3,435,000 | 5,025,000 | 6,605,000 |
| Provision for loan losses | 3,000 | 27,000 | 36,000 | 10,000 |
| Pretax income | 8,000 | -20,000 | 32,000 | 92,000 |
| Income tax | 6,000 | -12,000 | 15,000 | 42,000 |
| Net income | 2,000 | -8,000 | 17,000 | 50,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,929,000 | 27,919,000 | 27,946,000 | 27,981,000 |
| Total capital | 29,057,000 | 29,016,000 | 29,052,000 | 29,111,000 |
| Risk-weighted assets | 122,046,000 | 121,563,000 | 123,244,000 | 126,790,000 |