Call reports 2009
MERRIMACK COUNTY SAVINGS BANK — 2009
What MERRIMACK COUNTY SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 579,264,000 | 591,433,000 | 575,724,000 | 591,797,000 |
| Total loans | 418,598,000 | 417,371,000 | 412,472,000 | 398,031,000 |
| Allowance for loan losses | 5,214,000 | 5,542,000 | 5,784,000 | 5,443,000 |
| Securities available for sale | 88,683,000 | 93,397,000 | 112,898,000 | 112,545,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 439,998,000 | 449,454,000 | 437,204,000 | 442,298,000 |
| Interest-bearing deposits | 389,775,000 | 399,424,000 | 386,879,000 | 393,385,000 |
| Noninterest-bearing deposits | 50,223,000 | 50,030,000 | 50,325,000 | 48,913,000 |
| Equity capital | 58,374,000 | 58,990,000 | 59,799,000 | 60,734,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 7,082,000 | 13,962,000 | 20,482,000 | 26,849,000 |
| Interest expense | 2,464,000 | 4,785,000 | 6,814,000 | 8,547,000 |
| Net interest income | 4,618,000 | 9,177,000 | 13,668,000 | 18,302,000 |
| Noninterest income | 1,552,000 | 3,397,000 | 4,776,000 | 6,284,000 |
| Noninterest expense | 4,271,000 | 9,430,000 | 14,010,000 | 18,969,000 |
| Provision for loan losses | 659,000 | 1,252,000 | 1,608,000 | 2,201,000 |
| Pretax income | 1,901,000 | 2,553,000 | 3,487,000 | 4,259,000 |
| Income tax | 650,000 | 817,000 | 1,098,000 | 1,235,000 |
| Net income | 1,251,000 | 1,736,000 | 2,389,000 | 3,024,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,370,000 | 44,853,000 | 45,505,000 | 46,138,000 |
| Total capital | 49,296,000 | 49,809,000 | 50,510,000 | 51,096,000 |
| Risk-weighted assets | 379,260,000 | 378,721,000 | 375,777,000 | 368,982,000 |
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