Call reports 2025
MERRIMACK COUNTY SAVINGS BANK — 2025
What MERRIMACK COUNTY SAVINGS BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,354,203,000 | 1,351,508,000 | 1,348,583,000 | 1,384,369,000 |
| Total loans | 1,150,070,000 | 1,146,687,000 | 1,142,714,000 | 1,154,550,000 |
| Allowance for loan losses | 12,586,000 | 12,807,000 | 12,718,000 | 12,810,000 |
| Securities available for sale | 126,439,000 | 125,665,000 | 124,735,000 | 125,598,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,112,041,000 | 1,099,933,000 | 1,097,262,000 | 1,135,223,000 |
| Interest-bearing deposits | 944,191,000 | 920,717,000 | 917,441,000 | 959,475,000 |
| Noninterest-bearing deposits | 167,850,000 | 179,216,000 | 179,821,000 | 175,748,000 |
| Equity capital | 118,120,000 | 119,316,000 | 121,735,000 | 123,150,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 15,995,000 | 32,223,000 | 48,582,000 | 65,502,000 |
| Interest expense | 6,578,000 | 13,317,000 | 19,627,000 | 25,882,000 |
| Net interest income | 9,417,000 | 18,906,000 | 28,955,000 | 39,620,000 |
| Noninterest income | 1,032,000 | 2,087,000 | 3,146,000 | 4,388,000 |
| Noninterest expense | 8,683,000 | 17,881,000 | 27,299,000 | 36,147,000 |
| Provision for loan losses | 502,000 | 951,000 | 1,244,000 | 3,576,000 |
| Pretax income | 1,213,000 | 2,125,000 | 3,502,000 | 4,264,000 |
| Income tax | 220,000 | 347,000 | 592,000 | 607,000 |
| Net income | 993,000 | 1,778,000 | 2,910,000 | 3,657,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 130,372,000 | 131,033,000 | 132,041,000 | 132,668,000 |
| Total capital | 143,410,000 | 144,092,000 | 144,995,000 | 145,725,000 |
| Risk-weighted assets | 1,042,821,000 | 1,044,318,000 | 1,035,846,000 | 1,044,103,000 |