Call reports 2006
MIDDLESEX SAVINGS BANK — 2006
What MIDDLESEX SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 3,403,290,000 | 3,403,209,000 | 3,361,741,000 | 3,328,732,000 |
| Total loans | 1,782,519,000 | 1,804,271,000 | 1,799,199,000 | 1,773,018,000 |
| Allowance for loan losses | 16,785,000 | 16,812,000 | 17,031,000 | 17,253,000 |
| Securities available for sale | 1,312,090,000 | 1,390,383,000 | 1,328,963,000 | 1,342,526,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,022,075,000 | 3,072,747,000 | 3,002,848,000 | 2,959,062,000 |
| Interest-bearing deposits | 2,716,872,000 | 2,749,576,000 | 2,672,090,000 | 2,627,503,000 |
| Noninterest-bearing deposits | 305,203,000 | 323,171,000 | 330,758,000 | 331,559,000 |
| Equity capital | 287,512,000 | 283,554,000 | 301,943,000 | 307,717,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 42,166,000 | 87,553,000 | 133,536,000 | 179,788,000 |
| Interest expense | 21,666,000 | 47,222,000 | 72,199,000 | 96,523,000 |
| Net interest income | 20,500,000 | 40,331,000 | 61,337,000 | 83,265,000 |
| Noninterest income | 1,607,000 | 3,301,000 | 5,248,000 | 7,426,000 |
| Noninterest expense | 14,881,000 | 31,834,000 | 47,321,000 | 65,083,000 |
| Provision for loan losses | 375,000 | 750,000 | 1,125,000 | 1,500,000 |
| Pretax income | 7,109,000 | 11,324,000 | 19,434,000 | 25,403,000 |
| Income tax | 2,414,000 | 3,862,000 | 6,556,000 | 8,021,000 |
| Net income | 4,695,000 | 7,462,000 | 12,878,000 | 17,382,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 301,430,000 | 304,198,000 | 309,295,000 | 313,869,000 |
| Total capital | 319,062,000 | 321,791,000 | 327,026,000 | 331,822,000 |
| Risk-weighted assets | 1,903,725,000 | 1,922,002,000 | 1,891,257,000 | 1,885,175,000 |