Call reports 2002
MERRIMACK COUNTY SAVINGS BANK — 2002
What MERRIMACK COUNTY SAVINGS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 268,885,000 | 287,766,000 | 296,468,000 | 309,802,000 |
| Total loans | 162,333,000 | 170,730,000 | 183,834,000 | 176,057,000 |
| Allowance for loan losses | 1,527,000 | 1,539,000 | 1,664,000 | 1,685,000 |
| Securities available for sale | 88,291,000 | 90,800,000 | 89,116,000 | 92,658,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 213,941,000 | 222,597,000 | 227,684,000 | 240,402,000 |
| Interest-bearing deposits | 198,698,000 | 204,559,000 | 209,748,000 | 217,992,000 |
| Noninterest-bearing deposits | 15,242,000 | 18,037,000 | 17,935,000 | 22,410,000 |
| Equity capital | 39,206,000 | 39,423,000 | 39,691,000 | 40,719,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 4,224,000 | 8,467,000 | 12,812,000 | 17,141,000 |
| Interest expense | 1,619,000 | 3,240,000 | 4,926,000 | 6,556,000 |
| Net interest income | 2,605,000 | 5,227,000 | 7,886,000 | 10,585,000 |
| Noninterest income | 322,000 | 595,000 | 880,000 | 1,718,000 |
| Noninterest expense | 2,002,000 | 4,153,000 | 6,251,000 | 8,789,000 |
| Provision for loan losses | 64,000 | 77,000 | 203,000 | 222,000 |
| Pretax income | 1,295,000 | 2,164,000 | 2,417,000 | 3,365,000 |
| Income tax | 448,000 | 726,000 | 759,000 | 1,048,000 |
| Net income | 847,000 | 1,438,000 | 1,658,000 | 2,317,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,459,000 | 36,051,000 | 36,271,000 | 36,924,000 |
| Total capital | 39,924,000 | 39,795,000 | 39,407,000 | 40,299,000 |
| Risk-weighted assets | 161,743,000 | 168,923,000 | 171,706,000 | 174,811,000 |