Call reports 2014
MIDDLESEX SAVINGS BANK — 2014
What MIDDLESEX SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 4,040,516,000 | 4,092,829,000 | 4,213,655,000 | 4,156,678,000 |
| Total loans | 2,507,917,000 | 2,563,567,000 | 2,565,379,000 | 2,557,217,000 |
| Allowance for loan losses | 32,946,000 | 30,854,000 | 30,142,000 | 29,642,000 |
| Securities available for sale | 1,267,132,000 | 1,251,672,000 | 1,280,567,000 | 1,353,359,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,502,917,000 | 3,538,099,000 | 3,598,157,000 | 3,596,773,000 |
| Interest-bearing deposits | 2,788,623,000 | 2,775,150,000 | 2,772,047,000 | 2,764,766,000 |
| Noninterest-bearing deposits | 714,294,000 | 762,949,000 | 826,110,000 | 832,007,000 |
| Equity capital | 497,273,000 | 508,742,000 | 514,815,000 | 511,605,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 30,648,000 | 61,458,000 | 92,813,000 | 124,848,000 |
| Interest expense | 3,519,000 | 7,028,000 | 10,538,000 | 13,988,000 |
| Net interest income | 27,129,000 | 54,430,000 | 82,275,000 | 110,860,000 |
| Noninterest income | 4,088,000 | 7,707,000 | 11,174,000 | 15,039,000 |
| Noninterest expense | 20,931,000 | 39,807,000 | 60,470,000 | 85,709,000 |
| Provision for loan losses | -1,500,000 | -3,750,000 | -4,450,000 | -5,350,000 |
| Pretax income | 11,907,000 | 26,222,000 | 37,571,000 | 45,682,000 |
| Income tax | 4,023,000 | 9,043,000 | 12,875,000 | 15,309,000 |
| Net income | 7,884,000 | 17,179,000 | 24,696,000 | 30,373,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 473,370,000 | 482,238,000 | 489,827,000 | 495,580,000 |
| Total capital | 507,518,000 | 514,555,000 | 521,306,000 | 526,685,000 |
| Risk-weighted assets | 2,730,631,000 | 2,763,908,000 | 2,804,098,000 | 2,824,548,000 |