Call reports 2007
MIDDLESEX SAVINGS BANK — 2007
What MIDDLESEX SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 3,332,572,000 | 3,301,874,000 | 3,286,281,000 | 3,404,554,000 |
| Total loans | 1,767,262,000 | 1,783,143,000 | 1,805,767,000 | 1,835,987,000 |
| Allowance for loan losses | 17,162,000 | 17,025,000 | 16,519,000 | 18,654,000 |
| Securities available for sale | 1,308,289,000 | 1,286,177,000 | 1,256,576,000 | 1,367,972,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,957,104,000 | 2,924,709,000 | 2,873,879,000 | 2,947,977,000 |
| Interest-bearing deposits | 2,631,642,000 | 2,592,198,000 | 2,549,377,000 | 2,620,529,000 |
| Noninterest-bearing deposits | 325,462,000 | 332,511,000 | 324,502,000 | 327,448,000 |
| Equity capital | 315,240,000 | 310,821,000 | 322,750,000 | 329,051,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 45,454,000 | 92,004,000 | 138,719,000 | 186,514,000 |
| Interest expense | 24,149,000 | 48,322,000 | 72,847,000 | 98,288,000 |
| Net interest income | 21,305,000 | 43,682,000 | 65,872,000 | 88,226,000 |
| Noninterest income | 1,962,000 | 4,085,000 | 5,786,000 | 8,287,000 |
| Noninterest expense | 16,232,000 | 32,412,000 | 48,091,000 | 67,039,000 |
| Provision for loan losses | 0 | 0 | 0 | 2,300,000 |
| Pretax income | 7,035,000 | 15,355,000 | 23,567,000 | 27,360,000 |
| Income tax | 2,397,000 | 5,234,000 | 8,056,000 | 9,209,000 |
| Net income | 4,638,000 | 10,121,000 | 15,511,000 | 18,151,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 318,497,000 | 323,918,000 | 329,306,000 | 331,868,000 |
| Total capital | 336,359,000 | 341,843,000 | 346,905,000 | 351,702,000 |
| Risk-weighted assets | 1,886,751,000 | 1,913,065,000 | 1,963,720,000 | 2,028,392,000 |