Call reports 2004
MIDDLESEX SAVINGS BANK — 2004
What MIDDLESEX SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 2,969,040,000 | 3,044,806,000 | 3,027,300,000 | 3,024,970,000 |
| Total loans | 1,504,369,000 | 1,537,006,000 | 1,579,206,000 | 1,610,963,000 |
| Allowance for loan losses | 13,701,000 | 14,237,000 | 14,763,000 | 15,330,000 |
| Securities available for sale | 1,218,374,000 | 1,188,790,000 | 1,234,799,000 | 1,235,346,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,654,821,000 | 2,732,523,000 | 2,705,581,000 | 2,700,260,000 |
| Interest-bearing deposits | 2,401,139,000 | 2,460,508,000 | 2,431,114,000 | 2,407,451,000 |
| Noninterest-bearing deposits | 253,682,000 | 272,015,000 | 274,467,000 | 292,809,000 |
| Equity capital | 272,870,000 | 263,949,000 | 276,827,000 | 278,907,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 32,499,000 | 64,575,000 | 97,620,000 | 131,897,000 |
| Interest expense | 13,060,000 | 26,069,000 | 39,787,000 | 54,204,000 |
| Net interest income | 19,439,000 | 38,506,000 | 57,833,000 | 77,693,000 |
| Noninterest income | 1,918,000 | 3,479,000 | 5,392,000 | 7,313,000 |
| Noninterest expense | 12,329,000 | 24,748,000 | 38,118,000 | 53,639,000 |
| Provision for loan losses | 600,000 | 1,200,000 | 1,800,000 | 2,500,000 |
| Pretax income | 9,527,000 | 20,090,000 | 28,312,000 | 34,009,000 |
| Income tax | 3,263,000 | 7,057,000 | 9,841,000 | 11,765,000 |
| Net income | 6,264,000 | 13,033,000 | 18,471,000 | 22,244,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 261,698,000 | 268,467,000 | 273,905,000 | 277,678,000 |
| Total capital | 276,064,000 | 283,279,000 | 288,800,000 | 293,132,000 |
| Risk-weighted assets | 1,557,144,000 | 1,567,036,000 | 1,575,429,000 | 1,606,448,000 |