Call reports 2016
METUCHEN SAVINGS BANK — 2016
What METUCHEN SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 272,048,000 | 266,679,000 | 263,393,000 | 262,446,000 |
| Total loans | 141,197,000 | 143,715,000 | 145,432,000 | 144,743,000 |
| Allowance for loan losses | 1,137,000 | 1,170,000 | 1,192,000 | 1,195,000 |
| Securities available for sale | 77,234,000 | 72,704,000 | 72,836,000 | 70,996,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 237,850,000 | 232,349,000 | 229,474,000 | 229,797,000 |
| Interest-bearing deposits | 224,411,000 | 216,887,000 | 212,779,000 | 211,767,000 |
| Noninterest-bearing deposits | 13,439,000 | 15,462,000 | 16,695,000 | 18,030,000 |
| Equity capital | 27,476,000 | 27,610,000 | 27,487,000 | 27,131,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,832,000 | 3,611,000 | 5,389,000 | 7,222,000 |
| Interest expense | 299,000 | 596,000 | 877,000 | 1,144,000 |
| Net interest income | 1,533,000 | 3,015,000 | 4,512,000 | 6,078,000 |
| Noninterest income | 88,000 | 343,000 | 416,000 | 517,000 |
| Noninterest expense | 1,571,000 | 3,206,000 | 4,755,000 | 6,307,000 |
| Provision for loan losses | 6,000 | 15,000 | 36,000 | 39,000 |
| Pretax income | 44,000 | 164,000 | 164,000 | 276,000 |
| Income tax | 22,000 | 67,000 | 76,000 | 113,000 |
| Net income | 22,000 | 97,000 | 88,000 | 163,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,988,000 | 28,066,000 | 28,112,000 | 28,186,000 |
| Total capital | 29,125,000 | 29,236,000 | 29,304,000 | 29,381,000 |
| Risk-weighted assets | 126,233,000 | 126,399,000 | 127,374,000 | 125,559,000 |