Call reports 2013
MIDDLESEX SAVINGS BANK — 2013
What MIDDLESEX SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 4,045,318,000 | 4,026,176,000 | 4,026,612,000 | 4,035,364,000 |
| Total loans | 2,392,711,000 | 2,462,009,000 | 2,515,800,000 | 2,515,838,000 |
| Allowance for loan losses | 36,587,000 | 38,125,000 | 34,285,000 | 34,521,000 |
| Securities available for sale | 1,372,141,000 | 1,282,759,000 | 1,273,227,000 | 1,214,429,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,535,219,000 | 3,517,370,000 | 3,508,860,000 | 3,501,365,000 |
| Interest-bearing deposits | 2,871,747,000 | 2,820,319,000 | 2,806,281,000 | 2,765,275,000 |
| Noninterest-bearing deposits | 663,472,000 | 697,051,000 | 702,579,000 | 736,090,000 |
| Equity capital | 468,471,000 | 467,453,000 | 476,517,000 | 487,379,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 32,054,000 | 64,169,000 | 95,972,000 | 127,489,000 |
| Interest expense | 4,311,000 | 8,347,000 | 12,215,000 | 15,905,000 |
| Net interest income | 27,743,000 | 55,822,000 | 83,757,000 | 111,584,000 |
| Noninterest income | 3,340,000 | 6,716,000 | 9,770,000 | 13,452,000 |
| Noninterest expense | 20,798,000 | 39,976,000 | 61,030,000 | 84,035,000 |
| Provision for loan losses | 0 | 1,000,000 | -2,500,000 | -2,500,000 |
| Pretax income | 10,484,000 | 22,232,000 | 36,285,000 | 45,271,000 |
| Income tax | 3,566,000 | 7,634,000 | 11,258,000 | 15,403,000 |
| Net income | 6,918,000 | 14,598,000 | 25,027,000 | 29,868,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 442,644,000 | 449,995,000 | 460,130,000 | 464,788,000 |
| Total capital | 476,185,000 | 483,946,000 | 494,279,000 | 498,958,000 |
| Risk-weighted assets | 2,617,645,000 | 2,678,104,000 | 2,730,773,000 | 2,732,647,000 |