Call reports 2013
MERRIMACK COUNTY SAVINGS BANK — 2013
What MERRIMACK COUNTY SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 668,542,000 | 672,078,000 | 661,962,000 | 663,852,000 |
| Total loans | 455,967,000 | 470,239,000 | 482,378,000 | 492,653,000 |
| Allowance for loan losses | 7,000 | 233,000 | 705,000 | 992,000 |
| Securities available for sale | 130,313,000 | 108,930,000 | 103,237,000 | 97,892,000 |
| Securities held to maturity | 1,500,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 496,383,000 | 494,594,000 | 500,042,000 | 496,741,000 |
| Interest-bearing deposits | 417,860,000 | 407,882,000 | 409,226,000 | 410,204,000 |
| Noninterest-bearing deposits | 78,523,000 | 86,712,000 | 90,816,000 | 86,537,000 |
| Equity capital | 64,948,000 | 64,682,000 | 69,354,000 | 70,159,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 5,534,000 | 11,158,000 | 16,907,000 | 22,706,000 |
| Interest expense | 275,000 | 483,000 | 579,000 | 686,000 |
| Net interest income | 5,259,000 | 10,675,000 | 16,328,000 | 22,020,000 |
| Noninterest income | 1,671,000 | 3,263,000 | 11,239,000 | 12,388,000 |
| Noninterest expense | 5,278,000 | 10,311,000 | 15,672,000 | 21,208,000 |
| Provision for loan losses | 7,000 | 245,000 | 723,000 | 1,012,000 |
| Pretax income | 2,016,000 | 3,730,000 | 11,520,000 | 12,394,000 |
| Income tax | 693,000 | 1,285,000 | 4,285,000 | 4,562,000 |
| Net income | 1,323,000 | 2,445,000 | 7,235,000 | 7,832,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,249,000 | 52,532,000 | 57,530,000 | 58,694,000 |
| Total capital | 51,411,000 | 52,895,000 | 58,378,000 | 59,845,000 |
| Risk-weighted assets | 439,943,000 | 441,790,000 | 442,647,000 | 450,490,000 |
Machine access — free, no API key
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