Call reports 2007
MERRIMACK COUNTY SAVINGS BANK — 2007
What MERRIMACK COUNTY SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 429,515,000 | 560,537,000 | 575,123,000 | 575,072,000 |
| Total loans | 332,719,000 | 423,645,000 | 410,469,000 | 410,981,000 |
| Allowance for loan losses | 3,205,000 | 4,627,000 | 4,636,000 | 4,758,000 |
| Securities available for sale | 47,148,000 | 62,955,000 | 72,111,000 | 84,119,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 310,040,000 | 428,347,000 | 428,794,000 | 423,952,000 |
| Interest-bearing deposits | 282,129,000 | 377,112,000 | 381,178,000 | 377,802,000 |
| Noninterest-bearing deposits | 27,911,000 | 51,236,000 | 47,616,000 | 46,150,000 |
| Equity capital | 50,731,000 | 56,554,000 | 57,992,000 | 57,617,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 6,243,000 | 13,914,000 | 22,126,000 | 30,530,000 |
| Interest expense | 3,097,000 | 6,774,000 | 10,811,000 | 14,970,000 |
| Net interest income | 3,146,000 | 7,140,000 | 11,315,000 | 15,560,000 |
| Noninterest income | 750,000 | 1,799,000 | 2,946,000 | 4,040,000 |
| Noninterest expense | 3,037,000 | 7,011,000 | 11,018,000 | 15,271,000 |
| Provision for loan losses | 1,000 | 75,000 | 93,000 | 266,000 |
| Pretax income | 962,000 | 4,165,000 | 5,552,000 | 6,739,000 |
| Income tax | 284,000 | 1,371,000 | 1,780,000 | 2,108,000 |
| Net income | 678,000 | 2,794,000 | 3,772,000 | 4,631,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,981,000 | 37,683,000 | 38,696,000 | 39,332,000 |
| Total capital | 53,113,000 | 44,442,000 | 45,608,000 | 46,170,000 |
| Risk-weighted assets | 310,724,000 | 397,833,000 | 392,850,000 | 394,254,000 |