Call reports 2011
MERRIMACK COUNTY SAVINGS BANK — 2011
What MERRIMACK COUNTY SAVINGS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 615,251,000 | 636,105,000 | 635,841,000 | 651,460,000 |
| Total loans | 390,419,000 | 394,913,000 | 414,104,000 | 420,913,000 |
| Allowance for loan losses | 5,665,000 | 5,867,000 | 6,122,000 | 6,318,000 |
| Securities available for sale | 142,593,000 | 143,985,000 | 140,400,000 | 147,343,000 |
| Securities held to maturity | 0 | 11,000,000 | 11,499,000 | 6,499,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 465,008,000 | 468,706,000 | 472,419,000 | 469,494,000 |
| Interest-bearing deposits | 404,772,000 | 405,243,000 | 404,979,000 | 404,741,000 |
| Noninterest-bearing deposits | 60,236,000 | 63,463,000 | 67,440,000 | 64,753,000 |
| Equity capital | 64,608,000 | 65,890,000 | 66,721,000 | 66,401,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 5,788,000 | 11,567,000 | 17,711,000 | 23,721,000 |
| Interest expense | 1,206,000 | 2,395,000 | 3,519,000 | 4,533,000 |
| Net interest income | 4,582,000 | 9,172,000 | 14,192,000 | 19,188,000 |
| Noninterest income | 1,378,000 | 2,639,000 | 3,790,000 | 5,545,000 |
| Noninterest expense | 4,210,000 | 8,687,000 | 13,160,000 | 18,041,000 |
| Provision for loan losses | 450,000 | 717,000 | 1,090,000 | 1,571,000 |
| Pretax income | 1,300,000 | 2,992,000 | 4,461,000 | 5,906,000 |
| Income tax | 408,000 | 978,000 | 1,448,000 | 1,856,000 |
| Net income | 892,000 | 2,014,000 | 3,013,000 | 4,050,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,940,000 | 52,069,000 | 53,073,000 | 54,117,000 |
| Total capital | 56,024,000 | 57,112,000 | 58,160,000 | 59,404,000 |
| Risk-weighted assets | 370,714,000 | 383,354,000 | 401,114,000 | 408,413,000 |