Call reports 2018
MERRIMACK COUNTY SAVINGS BANK — 2018
What MERRIMACK COUNTY SAVINGS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 864,527,000 | 875,404,000 | 873,918,000 | 895,849,000 |
| Total loans | 704,735,000 | 724,614,000 | 731,199,000 | 737,222,000 |
| Allowance for loan losses | 4,470,000 | 4,718,000 | 4,893,000 | 5,039,000 |
| Securities available for sale | 88,619,000 | 85,858,000 | 83,147,000 | 87,826,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 625,165,000 | 651,791,000 | 645,474,000 | 659,402,000 |
| Interest-bearing deposits | 596,831,000 | 622,850,000 | 617,252,000 | 628,672,000 |
| Noninterest-bearing deposits | 28,334,000 | 28,941,000 | 28,222,000 | 30,730,000 |
| Equity capital | 83,089,000 | 83,930,000 | 85,078,000 | 87,714,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 8,102,000 | 16,908,000 | 25,652,000 | 34,816,000 |
| Interest expense | 892,000 | 2,089,000 | 3,504,000 | 4,999,000 |
| Net interest income | 7,210,000 | 14,819,000 | 22,148,000 | 29,817,000 |
| Noninterest income | 839,000 | 1,614,000 | 2,560,000 | 3,478,000 |
| Noninterest expense | 5,737,000 | 11,922,000 | 17,843,000 | 24,161,000 |
| Provision for loan losses | 257,000 | 625,000 | 858,000 | 1,021,000 |
| Pretax income | 2,041,000 | 3,872,000 | 5,993,000 | 8,099,000 |
| Income tax | 463,000 | 871,000 | 1,420,000 | 1,851,000 |
| Net income | 1,578,000 | 3,001,000 | 4,573,000 | 6,248,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 78,860,000 | 80,438,000 | 82,143,000 | 84,029,000 |
| Total capital | 83,512,000 | 85,353,000 | 87,243,000 | 89,265,000 |
| Risk-weighted assets | 626,962,000 | 649,215,000 | 642,864,000 | 648,238,000 |