Call reports 2008
MIDDLESEX SAVINGS BANK — 2008
What MIDDLESEX SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 3,753,784,000 | 3,569,445,000 | 3,593,810,000 | 3,592,235,000 |
| Total loans | 1,821,465,000 | 1,874,453,000 | 1,908,679,000 | 1,962,171,000 |
| Allowance for loan losses | 18,784,000 | 18,802,000 | 21,150,000 | 23,063,000 |
| Securities available for sale | 1,595,676,000 | 1,434,441,000 | 1,346,060,000 | 1,441,201,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,990,127,000 | 2,971,921,000 | 2,950,566,000 | 2,983,055,000 |
| Interest-bearing deposits | 2,667,774,000 | 2,622,929,000 | 2,610,828,000 | 2,640,035,000 |
| Noninterest-bearing deposits | 322,353,000 | 348,992,000 | 339,738,000 | 343,020,000 |
| Equity capital | 332,571,000 | 323,374,000 | 322,242,000 | 336,861,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 46,035,000 | 92,890,000 | 139,048,000 | 184,762,000 |
| Interest expense | 24,358,000 | 47,113,000 | 67,874,000 | 87,623,000 |
| Net interest income | 21,677,000 | 45,777,000 | 71,174,000 | 97,139,000 |
| Noninterest income | 2,018,000 | 4,266,000 | 6,373,000 | 7,872,000 |
| Noninterest expense | 15,551,000 | 32,606,000 | 48,024,000 | 65,539,000 |
| Provision for loan losses | 5,200,000 | 6,700,000 | 10,200,000 | 14,850,000 |
| Pretax income | 5,337,000 | 13,504,000 | 23,186,000 | 24,140,000 |
| Income tax | 1,785,000 | 4,639,000 | 8,275,000 | 8,485,000 |
| Net income | 3,552,000 | 8,865,000 | 14,911,000 | 15,655,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 335,344,000 | 340,320,000 | 346,520,000 | 347,390,000 |
| Total capital | 355,308,000 | 360,302,000 | 368,850,000 | 371,833,000 |
| Risk-weighted assets | 2,064,054,000 | 2,089,334,000 | 2,108,265,000 | 2,130,885,000 |