Call reports 2001
MERRIMACK COUNTY SAVINGS BANK — 2001
What MERRIMACK COUNTY SAVINGS BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 249,124,000 | 252,116,000 | 265,774,000 | 266,870,000 |
| Total loans | 143,559,000 | 149,001,000 | 158,427,000 | 160,511,000 |
| Allowance for loan losses | 1,335,000 | 1,396,000 | 1,453,000 | 1,455,000 |
| Securities available for sale | 80,797,000 | 79,122,000 | 78,185,000 | 81,609,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 194,271,000 | 196,806,000 | 206,370,000 | 210,562,000 |
| Interest-bearing deposits | 181,397,000 | 183,601,000 | 192,441,000 | 195,803,000 |
| Noninterest-bearing deposits | 12,874,000 | 13,205,000 | 13,928,000 | 14,759,000 |
| Equity capital | 38,057,000 | 38,442,000 | 38,662,000 | 39,270,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 4,200,000 | 8,424,000 | 12,676,000 | 16,960,000 |
| Interest expense | 2,166,000 | 4,303,000 | 6,345,000 | 8,198,000 |
| Net interest income | 2,034,000 | 4,121,000 | 6,331,000 | 8,762,000 |
| Noninterest income | 197,000 | 438,000 | 650,000 | 1,062,000 |
| Noninterest expense | 1,720,000 | 3,645,000 | 5,610,000 | 7,779,000 |
| Provision for loan losses | 20,000 | 80,000 | 140,000 | 201,000 |
| Pretax income | 489,000 | 898,000 | 1,295,000 | 1,975,000 |
| Income tax | 140,000 | 228,000 | 334,000 | 496,000 |
| Net income | 349,000 | 670,000 | 961,000 | 1,479,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,483,000 | 33,788,000 | 34,094,000 | 34,609,000 |
| Total capital | 37,973,000 | 38,519,000 | 38,369,000 | 39,277,000 |
| Risk-weighted assets | 138,557,000 | 145,735,000 | 154,353,000 | 159,697,000 |