Call reports 2021
MERRIMACK COUNTY SAVINGS BANK — 2021
What MERRIMACK COUNTY SAVINGS BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 1,081,613,000 | 1,120,417,000 | 1,165,010,000 | 1,163,952,000 |
| Total loans | 900,141,000 | 915,491,000 | 902,564,000 | 916,545,000 |
| Allowance for loan losses | 8,785,000 | 8,987,000 | 9,144,000 | 9,337,000 |
| Securities available for sale | 85,579,000 | 100,664,000 | 122,033,000 | 148,661,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 908,400,000 | 948,593,000 | 965,755,000 | 967,904,000 |
| Interest-bearing deposits | 873,127,000 | 754,943,000 | 769,651,000 | 774,675,000 |
| Noninterest-bearing deposits | 35,273,000 | 193,650,000 | 196,104,000 | 193,229,000 |
| Equity capital | 102,432,000 | 104,924,000 | 110,914,000 | 112,425,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 9,444,000 | 18,984,000 | 28,888,000 | 38,736,000 |
| Interest expense | 643,000 | 1,024,000 | 1,347,000 | 1,675,000 |
| Net interest income | 8,801,000 | 17,960,000 | 27,541,000 | 37,061,000 |
| Noninterest income | 702,000 | 1,561,000 | 2,343,000 | 3,364,000 |
| Noninterest expense | 6,759,000 | 13,686,000 | 21,127,000 | 28,259,000 |
| Provision for loan losses | 199,000 | 401,000 | 607,000 | 816,000 |
| Pretax income | 2,551,000 | 5,439,000 | 8,164,000 | 11,364,000 |
| Income tax | 571,000 | 1,299,000 | 1,993,000 | 2,771,000 |
| Net income | 1,980,000 | 4,140,000 | 6,171,000 | 8,593,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 99,218,000 | 101,309,000 | 108,211,000 | 110,624,000 |
| Total capital | 108,146,000 | 110,439,000 | 117,498,000 | 120,104,000 |
| Risk-weighted assets | 730,512,000 | 765,566,000 | 780,234,000 | 809,566,000 |
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