Call reports 2003
MERRIMACK COUNTY SAVINGS BANK — 2003
What MERRIMACK COUNTY SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 322,992,000 | 321,532,000 | 320,490,000 | 322,604,000 |
| Total loans | 180,387,000 | 190,483,000 | 218,433,000 | 226,809,000 |
| Allowance for loan losses | 1,701,000 | 1,803,000 | 1,999,000 | 2,101,000 |
| Securities available for sale | 104,340,000 | 101,535,000 | 76,707,000 | 67,454,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 240,850,000 | 241,487,000 | 240,349,000 | 242,004,000 |
| Interest-bearing deposits | 218,358,000 | 217,000,000 | 217,020,000 | 218,543,000 |
| Noninterest-bearing deposits | 22,491,000 | 24,486,000 | 23,329,000 | 23,460,000 |
| Equity capital | 41,047,000 | 42,261,000 | 42,360,000 | 43,009,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 4,062,000 | 8,161,000 | 12,323,000 | 16,327,000 |
| Interest expense | 1,479,000 | 2,943,000 | 4,279,000 | 5,565,000 |
| Net interest income | 2,583,000 | 5,218,000 | 8,044,000 | 10,762,000 |
| Noninterest income | 616,000 | 1,199,000 | 1,820,000 | 2,462,000 |
| Noninterest expense | 2,345,000 | 4,781,000 | 7,429,000 | 10,252,000 |
| Provision for loan losses | 65,000 | 182,000 | 386,000 | 507,000 |
| Pretax income | 825,000 | 1,521,000 | 2,157,000 | 2,714,000 |
| Income tax | 249,000 | 430,000 | 599,000 | 720,000 |
| Net income | 576,000 | 1,091,000 | 1,558,000 | 1,994,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,955,000 | 37,457,000 | 37,953,000 | 38,277,000 |
| Total capital | 40,180,000 | 41,186,000 | 41,874,000 | 42,688,000 |
| Risk-weighted assets | 183,308,000 | 191,430,000 | 206,379,000 | 212,476,000 |
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