Call reports 2019
MERRIMACK COUNTY SAVINGS BANK — 2019
What MERRIMACK COUNTY SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 904,487,000 | 917,228,000 | 914,396,000 | 938,414,000 |
| Total loans | 751,251,000 | 763,704,000 | 773,972,000 | 800,186,000 |
| Allowance for loan losses | 5,310,000 | 5,493,000 | 5,603,000 | 5,901,000 |
| Securities available for sale | 87,849,000 | 83,087,000 | 81,018,000 | 79,679,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 678,427,000 | 698,689,000 | 679,243,000 | 704,073,000 |
| Interest-bearing deposits | 647,029,000 | 668,092,000 | 646,902,000 | 672,168,000 |
| Noninterest-bearing deposits | 31,398,000 | 30,597,000 | 32,341,000 | 31,905,000 |
| Equity capital | 90,251,000 | 92,440,000 | 94,332,000 | 94,786,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 9,179,000 | 18,702,000 | 28,201,000 | 37,742,000 |
| Interest expense | 1,739,000 | 3,586,000 | 5,442,000 | 7,158,000 |
| Net interest income | 7,440,000 | 15,116,000 | 22,759,000 | 30,584,000 |
| Noninterest income | 811,000 | 1,658,000 | 2,598,000 | 3,663,000 |
| Noninterest expense | 6,033,000 | 12,538,000 | 18,832,000 | 25,034,000 |
| Provision for loan losses | 302,000 | 515,000 | 748,000 | 1,339,000 |
| Pretax income | 1,916,000 | 3,755,000 | 5,811,000 | 7,910,000 |
| Income tax | 447,000 | 892,000 | 1,381,000 | 1,883,000 |
| Net income | 1,469,000 | 2,863,000 | 4,430,000 | 6,027,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 85,628,000 | 87,150,000 | 88,848,000 | 89,574,000 |
| Total capital | 91,139,000 | 92,841,000 | 94,651,000 | 95,665,000 |
| Risk-weighted assets | 660,317,000 | 670,488,000 | 676,886,000 | 699,724,000 |