Call reports 2015
MIDDLESEX SAVINGS BANK — 2015
What MIDDLESEX SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 4,166,504,000 | 4,187,563,000 | 4,203,344,000 | 4,286,554,000 |
| Total loans | 2,605,674,000 | 2,665,659,000 | 2,711,781,000 | 2,777,111,000 |
| Allowance for loan losses | 28,996,000 | 28,996,000 | 28,380,000 | 27,942,000 |
| Securities available for sale | 1,271,819,000 | 1,208,330,000 | 1,121,949,000 | 1,273,176,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,599,600,000 | 3,608,371,000 | 3,628,451,000 | 3,711,742,000 |
| Interest-bearing deposits | 2,800,674,000 | 2,800,300,000 | 2,808,617,000 | 2,807,621,000 |
| Noninterest-bearing deposits | 798,926,000 | 808,071,000 | 819,834,000 | 904,121,000 |
| Equity capital | 521,046,000 | 524,648,000 | 531,136,000 | 531,705,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 30,923,000 | 62,370,000 | 94,421,000 | 126,486,000 |
| Interest expense | 3,316,000 | 6,672,000 | 10,168,000 | 13,791,000 |
| Net interest income | 27,607,000 | 55,698,000 | 84,253,000 | 112,695,000 |
| Noninterest income | 4,025,000 | 7,311,000 | 10,754,000 | 14,224,000 |
| Noninterest expense | 19,477,000 | 39,253,000 | 61,208,000 | 84,109,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 12,155,000 | 24,312,000 | 34,737,000 | 43,748,000 |
| Income tax | 4,137,000 | 8,315,000 | 11,903,000 | 14,678,000 |
| Net income | 8,018,000 | 15,997,000 | 22,834,000 | 29,070,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 491,029,000 | 498,785,000 | 503,924,000 | 510,438,000 |
| Total capital | 522,067,000 | 529,070,000 | 533,506,000 | 540,117,000 |
| Risk-weighted assets | 2,985,830,000 | 3,078,525,000 | 3,090,253,000 | 3,207,363,000 |