Call reports 2010
MERRIMACK COUNTY SAVINGS BANK — 2010
What MERRIMACK COUNTY SAVINGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 592,494,000 | 606,742,000 | 598,421,000 | 613,927,000 |
| Total loans | 400,444,000 | 411,471,000 | 406,940,000 | 395,013,000 |
| Allowance for loan losses | 5,757,000 | 6,055,000 | 6,263,000 | 5,705,000 |
| Securities available for sale | 116,810,000 | 98,977,000 | 106,590,000 | 124,044,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 448,639,000 | 461,405,000 | 452,585,000 | 451,618,000 |
| Interest-bearing deposits | 395,453,000 | 402,402,000 | 396,004,000 | 394,249,000 |
| Noninterest-bearing deposits | 53,186,000 | 59,004,000 | 56,581,000 | 57,369,000 |
| Equity capital | 61,592,000 | 62,148,000 | 63,102,000 | 63,860,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 6,130,000 | 12,409,000 | 18,762,000 | 24,945,000 |
| Interest expense | 1,509,000 | 2,965,000 | 4,352,000 | 5,641,000 |
| Net interest income | 4,621,000 | 9,444,000 | 14,410,000 | 19,304,000 |
| Noninterest income | 1,322,000 | 2,631,000 | 3,839,000 | 6,133,000 |
| Noninterest expense | 4,337,000 | 9,131,000 | 13,673,000 | 18,820,000 |
| Provision for loan losses | 393,000 | 818,000 | 1,064,000 | 1,185,000 |
| Pretax income | 1,176,000 | 2,172,000 | 3,660,000 | 5,650,000 |
| Income tax | 380,000 | 696,000 | 1,183,000 | 1,760,000 |
| Net income | 796,000 | 1,476,000 | 2,477,000 | 3,890,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,932,000 | 47,611,000 | 48,574,000 | 50,043,000 |
| Total capital | 51,955,000 | 52,650,000 | 53,667,000 | 55,097,000 |
| Risk-weighted assets | 372,100,000 | 380,027,000 | 375,466,000 | 371,863,000 |
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