Call reports 2012
MERRIMACK COUNTY SAVINGS BANK — 2012
What MERRIMACK COUNTY SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 657,998,000 | 656,838,000 | 646,708,000 | 671,213,000 |
| Total loans | 416,745,000 | 429,835,000 | 439,055,000 | 460,788,000 |
| Allowance for loan losses | 6,448,000 | 6,093,000 | 6,054,000 | 5,701,000 |
| Securities available for sale | 156,908,000 | 146,631,000 | 137,629,000 | 141,812,000 |
| Securities held to maturity | 6,499,000 | 1,499,000 | 1,499,000 | 1,499,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 483,652,000 | 482,456,000 | 484,503,000 | 495,078,000 |
| Interest-bearing deposits | 413,101,000 | 411,435,000 | 405,931,000 | 415,256,000 |
| Noninterest-bearing deposits | 70,551,000 | 71,022,000 | 78,573,000 | 79,821,000 |
| Equity capital | 67,508,000 | 68,130,000 | 69,486,000 | 69,751,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 5,927,000 | 11,950,000 | 17,879,000 | 23,805,000 |
| Interest expense | 971,000 | 1,912,000 | 2,849,000 | 3,760,000 |
| Net interest income | 4,956,000 | 10,038,000 | 15,030,000 | 20,045,000 |
| Noninterest income | 1,433,000 | 2,984,000 | 4,685,000 | 6,707,000 |
| Noninterest expense | 4,756,000 | 9,687,000 | 14,649,000 | 20,088,000 |
| Provision for loan losses | 197,000 | 637,000 | 616,000 | 751,000 |
| Pretax income | 1,449,000 | 2,711,000 | 4,607,000 | 5,811,000 |
| Income tax | 469,000 | 776,000 | 1,393,000 | 1,751,000 |
| Net income | 980,000 | 1,935,000 | 3,214,000 | 4,060,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,102,000 | 55,803,000 | 56,878,000 | 57,759,000 |
| Total capital | 60,512,000 | 61,202,000 | 62,479,000 | 63,612,000 |
| Risk-weighted assets | 408,038,000 | 416,446,000 | 421,001,000 | 441,409,000 |