Call reports 2009
MIDDLESEX SAVINGS BANK — 2009
What MIDDLESEX SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 3,612,675,000 | 3,606,621,000 | 3,947,308,000 | 3,952,397,000 |
| Total loans | 1,943,551,000 | 1,910,748,000 | 2,208,529,000 | 2,206,219,000 |
| Allowance for loan losses | 25,930,000 | 28,004,000 | 37,680,000 | 42,632,000 |
| Securities available for sale | 1,443,440,000 | 1,466,337,000 | 1,472,754,000 | 1,481,754,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,051,878,000 | 3,137,136,000 | 3,401,794,000 | 3,418,419,000 |
| Interest-bearing deposits | 2,713,151,000 | 2,784,376,000 | 2,977,396,000 | 2,969,851,000 |
| Noninterest-bearing deposits | 338,727,000 | 352,760,000 | 424,398,000 | 448,568,000 |
| Equity capital | 343,397,000 | 330,933,000 | 380,022,000 | 374,975,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 42,759,000 | 84,892,000 | 136,407,000 | 181,876,000 |
| Interest expense | 17,322,000 | 33,265,000 | 52,995,000 | 67,784,000 |
| Net interest income | 25,437,000 | 51,627,000 | 83,412,000 | 114,092,000 |
| Noninterest income | 1,951,000 | 4,730,000 | 6,617,000 | 9,196,000 |
| Noninterest expense | 17,581,000 | 37,723,000 | 60,575,000 | 82,664,000 |
| Provision for loan losses | 4,500,000 | 9,000,000 | 15,385,000 | 20,285,000 |
| Pretax income | 6,445,000 | 10,927,000 | 15,291,000 | 21,374,000 |
| Income tax | 2,184,000 | 3,558,000 | 4,416,000 | 6,371,000 |
| Net income | 4,261,000 | 7,369,000 | 10,875,000 | 15,003,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 351,562,000 | 333,047,000 | 346,819,000 | 352,105,000 |
| Total capital | 378,716,000 | 360,139,000 | 376,863,000 | 382,525,000 |
| Risk-weighted assets | 2,172,156,000 | 2,165,051,000 | 2,394,481,000 | 2,420,003,000 |