Call reports 2003
MIDDLESEX SAVINGS BANK — 2003
What MIDDLESEX SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 3,118,918,000 | 3,095,404,000 | 3,028,416,000 | 2,986,627,000 |
| Total loans | 1,336,980,000 | 1,374,311,000 | 1,428,097,000 | 1,478,634,000 |
| Allowance for loan losses | 12,117,000 | 12,286,000 | 12,770,000 | 13,139,000 |
| Securities available for sale | 1,574,242,000 | 1,491,115,000 | 1,431,416,000 | 1,311,809,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,672,995,000 | 2,726,871,000 | 2,711,602,000 | 2,677,272,000 |
| Interest-bearing deposits | 2,451,817,000 | 2,490,468,000 | 2,467,575,000 | 2,427,972,000 |
| Noninterest-bearing deposits | 221,178,000 | 236,403,000 | 244,027,000 | 249,300,000 |
| Equity capital | 253,441,000 | 260,431,000 | 260,702,000 | 262,219,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 36,660,000 | 72,707,000 | 106,339,000 | 139,772,000 |
| Interest expense | 16,840,000 | 33,201,000 | 47,782,000 | 61,305,000 |
| Net interest income | 19,820,000 | 39,506,000 | 58,557,000 | 78,467,000 |
| Noninterest income | 1,453,000 | 3,418,000 | 4,580,000 | 6,520,000 |
| Noninterest expense | 12,524,000 | 23,982,000 | 35,791,000 | 48,677,000 |
| Provision for loan losses | 600,000 | 1,200,000 | 1,800,000 | 2,400,000 |
| Pretax income | 8,718,000 | 18,532,000 | 26,500,000 | 34,898,000 |
| Income tax | 2,989,000 | 6,250,000 | 9,190,000 | 12,020,000 |
| Net income | 5,729,000 | 12,282,000 | 17,310,000 | 22,878,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 235,304,000 | 244,608,000 | 249,866,000 | 255,434,000 |
| Total capital | 247,421,000 | 256,894,000 | 262,672,000 | 269,222,000 |
| Risk-weighted assets | 1,485,075,000 | 1,473,730,000 | 1,492,152,000 | 1,497,529,000 |