Call reports 2006
MERRIMACK COUNTY SAVINGS BANK — 2006
What MERRIMACK COUNTY SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 395,004,000 | 408,761,000 | 415,173,000 | 424,873,000 |
| Total loans | 315,978,000 | 330,572,000 | 332,220,000 | 333,823,000 |
| Allowance for loan losses | 3,054,000 | 3,154,000 | 3,176,000 | 3,202,000 |
| Securities available for sale | 53,701,000 | 51,836,000 | 53,383,000 | 48,292,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 281,530,000 | 284,107,000 | 286,729,000 | 293,518,000 |
| Interest-bearing deposits | 251,027,000 | 252,430,000 | 255,657,000 | 264,650,000 |
| Noninterest-bearing deposits | 30,503,000 | 31,676,000 | 31,071,000 | 28,868,000 |
| Equity capital | 47,224,000 | 47,726,000 | 49,044,000 | 50,008,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 5,404,000 | 11,258,000 | 17,292,000 | 23,472,000 |
| Interest expense | 2,261,000 | 4,831,000 | 7,694,000 | 10,722,000 |
| Net interest income | 3,143,000 | 6,427,000 | 9,598,000 | 12,750,000 |
| Noninterest income | 720,000 | 1,424,000 | 2,353,000 | 3,125,000 |
| Noninterest expense | 3,065,000 | 6,050,000 | 9,004,000 | 12,079,000 |
| Provision for loan losses | 124,000 | 271,000 | 301,000 | 339,000 |
| Pretax income | 700,000 | 1,601,000 | 2,956,000 | 3,918,000 |
| Income tax | 190,000 | 443,000 | 852,000 | 1,126,000 |
| Net income | 510,000 | 1,158,000 | 2,104,000 | 2,792,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,122,000 | 44,669,000 | 45,615,000 | 46,302,000 |
| Total capital | 49,839,000 | 50,527,000 | 51,587,000 | 52,454,000 |
| Risk-weighted assets | 292,591,000 | 304,538,000 | 306,460,000 | 309,185,000 |
Machine access — free, no API key
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