Call reports 2005
MERRIMACK COUNTY SAVINGS BANK — 2005
What MERRIMACK COUNTY SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 358,630,000 | 369,581,000 | 379,330,000 | 389,812,000 |
| Total loans | 257,383,000 | 274,898,000 | 288,236,000 | 304,732,000 |
| Allowance for loan losses | 2,382,000 | 2,578,000 | 2,755,000 | 2,929,000 |
| Securities available for sale | 69,571,000 | 66,425,000 | 63,140,000 | 55,710,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 262,091,000 | 267,493,000 | 273,016,000 | 281,671,000 |
| Interest-bearing deposits | 234,973,000 | 239,538,000 | 243,072,000 | 253,663,000 |
| Noninterest-bearing deposits | 27,118,000 | 27,955,000 | 29,945,000 | 28,008,000 |
| Equity capital | 44,937,000 | 45,502,000 | 46,186,000 | 46,615,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 4,512,000 | 9,304,000 | 14,487,000 | 19,996,000 |
| Interest expense | 1,478,000 | 3,125,000 | 4,943,000 | 6,962,000 |
| Net interest income | 3,034,000 | 6,179,000 | 9,544,000 | 13,034,000 |
| Noninterest income | 554,000 | 1,113,000 | 1,745,000 | 2,445,000 |
| Noninterest expense | 2,771,000 | 5,608,000 | 8,580,000 | 11,815,000 |
| Provision for loan losses | 29,000 | 259,000 | 425,000 | 609,000 |
| Pretax income | 812,000 | 1,504,000 | 2,573,000 | 3,337,000 |
| Income tax | 240,000 | 424,000 | 705,000 | 864,000 |
| Net income | 572,000 | 1,080,000 | 1,868,000 | 2,473,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,710,000 | 42,218,000 | 43,006,000 | 43,611,000 |
| Total capital | 46,646,000 | 47,336,000 | 48,387,000 | 49,092,000 |
| Risk-weighted assets | 240,932,000 | 257,176,000 | 270,354,000 | 281,102,000 |