Call reports 2012
MIDDLESEX SAVINGS BANK — 2012
What MIDDLESEX SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 4,088,191,000 | 4,107,158,000 | 4,052,689,000 | 4,048,072,000 |
| Total loans | 2,215,622,000 | 2,258,064,000 | 2,316,016,000 | 2,359,807,000 |
| Allowance for loan losses | 42,145,000 | 40,259,000 | 41,063,000 | 37,183,000 |
| Securities available for sale | 1,540,552,000 | 1,542,012,000 | 1,471,445,000 | 1,442,337,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,537,215,000 | 3,565,949,000 | 3,530,727,000 | 3,539,057,000 |
| Interest-bearing deposits | 2,930,237,000 | 2,924,786,000 | 2,891,191,000 | 2,857,113,000 |
| Noninterest-bearing deposits | 606,978,000 | 641,163,000 | 639,536,000 | 681,944,000 |
| Equity capital | 443,921,000 | 450,642,000 | 458,722,000 | 463,732,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 37,960,000 | 74,077,000 | 109,070,000 | 142,751,000 |
| Interest expense | 6,671,000 | 12,809,000 | 18,510,000 | 23,333,000 |
| Net interest income | 31,289,000 | 61,268,000 | 90,560,000 | 119,418,000 |
| Noninterest income | 3,252,000 | 6,647,000 | 10,751,000 | 14,045,000 |
| Noninterest expense | 21,369,000 | 41,404,000 | 64,179,000 | 86,971,000 |
| Provision for loan losses | 2,490,000 | 4,980,000 | 6,640,000 | 4,840,000 |
| Pretax income | 10,682,000 | 21,531,000 | 31,053,000 | 42,772,000 |
| Income tax | 3,362,000 | 7,203,000 | 9,854,000 | 14,305,000 |
| Net income | 7,320,000 | 14,328,000 | 21,199,000 | 28,467,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 414,585,000 | 421,665,000 | 428,510,000 | 435,652,000 |
| Total capital | 445,965,000 | 454,334,000 | 461,907,000 | 469,154,000 |
| Risk-weighted assets | 2,489,433,000 | 2,569,830,000 | 2,602,300,000 | 2,614,881,000 |