Call reports 2014
MERRIMACK COUNTY SAVINGS BANK — 2014
What MERRIMACK COUNTY SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 669,779,000 | 705,829,000 | 709,943,000 | 709,762,000 |
| Total loans | 506,341,000 | 528,932,000 | 549,905,000 | 557,385,000 |
| Allowance for loan losses | 1,235,000 | 1,536,000 | 1,894,000 | 2,006,000 |
| Securities available for sale | 98,438,000 | 96,943,000 | 93,389,000 | 91,473,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 491,143,000 | 510,017,000 | 523,373,000 | 522,706,000 |
| Interest-bearing deposits | 466,033,000 | 481,468,000 | 493,902,000 | 497,738,000 |
| Noninterest-bearing deposits | 25,110,000 | 28,549,000 | 29,471,000 | 24,968,000 |
| Equity capital | 70,999,000 | 72,365,000 | 72,901,000 | 73,916,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 5,673,000 | 11,576,000 | 17,712,000 | 24,039,000 |
| Interest expense | 303,000 | 740,000 | 1,212,000 | 1,704,000 |
| Net interest income | 5,370,000 | 10,836,000 | 16,500,000 | 22,335,000 |
| Noninterest income | 1,280,000 | 2,637,000 | 3,970,000 | 5,228,000 |
| Noninterest expense | 5,022,000 | 10,522,000 | 15,873,000 | 21,962,000 |
| Provision for loan losses | 264,000 | 558,000 | 919,000 | 1,036,000 |
| Pretax income | 1,359,000 | 2,388,000 | 3,663,000 | 4,550,000 |
| Income tax | 479,000 | 804,000 | 1,191,000 | 1,451,000 |
| Net income | 880,000 | 1,584,000 | 2,472,000 | 3,099,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,578,000 | 60,443,000 | 61,555,000 | 62,360,000 |
| Total capital | 60,971,000 | 62,136,000 | 63,617,000 | 64,536,000 |
| Risk-weighted assets | 458,219,000 | 483,653,000 | 497,737,000 | 522,133,000 |
Machine access — free, no API key
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