Call reports 2008
MERRIMACK COUNTY SAVINGS BANK — 2008
What MERRIMACK COUNTY SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 577,314,000 | 557,994,000 | 557,252,000 | 561,452,000 |
| Total loans | 404,498,000 | 399,747,000 | 407,368,000 | 415,333,000 |
| Allowance for loan losses | 4,617,000 | 4,499,000 | 4,376,000 | 4,505,000 |
| Securities available for sale | 98,572,000 | 87,196,000 | 74,727,000 | 76,648,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 428,087,000 | 412,699,000 | 413,312,000 | 420,326,000 |
| Interest-bearing deposits | 381,651,000 | 359,903,000 | 361,958,000 | 364,765,000 |
| Noninterest-bearing deposits | 46,437,000 | 52,796,000 | 51,355,000 | 55,561,000 |
| Equity capital | 58,246,000 | 58,724,000 | 58,703,000 | 58,062,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 8,077,000 | 15,478,000 | 22,741,000 | 30,039,000 |
| Interest expense | 3,754,000 | 6,782,000 | 9,547,000 | 12,256,000 |
| Net interest income | 4,323,000 | 8,696,000 | 13,194,000 | 17,783,000 |
| Noninterest income | 1,065,000 | 2,338,000 | 3,565,000 | 4,207,000 |
| Noninterest expense | 3,955,000 | 7,965,000 | 12,043,000 | 16,340,000 |
| Provision for loan losses | 372,000 | 393,000 | 1,114,000 | 1,767,000 |
| Pretax income | 1,061,000 | 2,789,000 | 5,430,000 | 5,659,000 |
| Income tax | 303,000 | 838,000 | 1,757,000 | 1,685,000 |
| Net income | 758,000 | 1,951,000 | 3,673,000 | 3,974,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,090,000 | 41,103,000 | 42,943,000 | 43,242,000 |
| Total capital | 46,570,000 | 47,318,000 | 47,911,000 | 48,222,000 |
| Risk-weighted assets | 387,785,000 | 381,001,000 | 372,508,000 | 377,047,000 |
Machine access — free, no API key
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