Call reports 2005
MIDDLESEX SAVINGS BANK — 2005
What MIDDLESEX SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 3,084,348,000 | 3,140,265,000 | 3,161,090,000 | 3,251,071,000 |
| Total loans | 1,637,987,000 | 1,699,835,000 | 1,726,332,000 | 1,755,967,000 |
| Allowance for loan losses | 16,269,000 | 16,581,000 | 16,907,000 | 17,153,000 |
| Securities available for sale | 1,212,111,000 | 1,243,122,000 | 1,213,823,000 | 1,211,983,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,763,790,000 | 2,803,357,000 | 2,829,393,000 | 2,836,057,000 |
| Interest-bearing deposits | 2,462,453,000 | 2,492,757,000 | 2,519,887,000 | 2,509,581,000 |
| Noninterest-bearing deposits | 301,337,000 | 310,600,000 | 309,506,000 | 326,476,000 |
| Equity capital | 276,875,000 | 287,221,000 | 286,565,000 | 289,081,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 35,022,000 | 71,960,000 | 110,607,000 | 150,809,000 |
| Interest expense | 15,742,000 | 32,912,000 | 51,234,000 | 71,015,000 |
| Net interest income | 19,280,000 | 39,048,000 | 59,373,000 | 79,794,000 |
| Noninterest income | 1,469,000 | 3,006,000 | 4,826,000 | 6,575,000 |
| Noninterest expense | 13,414,000 | 27,153,000 | 41,194,000 | 56,520,000 |
| Provision for loan losses | 750,000 | 1,000,000 | 1,000,000 | 1,250,000 |
| Pretax income | 6,687,000 | 14,003,000 | 22,107,000 | 28,701,000 |
| Income tax | 2,320,000 | 4,849,000 | 7,655,000 | 9,643,000 |
| Net income | 4,367,000 | 9,154,000 | 14,452,000 | 19,058,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 282,045,000 | 286,832,000 | 292,097,000 | 296,735,000 |
| Total capital | 298,334,000 | 303,479,000 | 309,004,000 | 314,038,000 |
| Risk-weighted assets | 1,661,303,000 | 1,718,297,000 | 1,762,633,000 | 1,815,113,000 |