Call reports 2016
MIDDLESEX SAVINGS BANK — 2016
What MIDDLESEX SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 4,321,977,000 | 4,397,167,000 | 4,439,693,000 | 4,521,734,000 |
| Total loans | 2,794,279,000 | 2,827,290,000 | 2,844,199,000 | 2,883,340,000 |
| Allowance for loan losses | 28,757,000 | 29,494,000 | 29,818,000 | 30,551,000 |
| Securities available for sale | 1,236,480,000 | 1,194,774,000 | 1,337,885,000 | 1,387,118,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,739,096,000 | 3,804,501,000 | 3,834,963,000 | 3,921,004,000 |
| Interest-bearing deposits | 2,848,303,000 | 2,891,148,000 | 2,913,169,000 | 2,955,558,000 |
| Noninterest-bearing deposits | 890,793,000 | 913,353,000 | 921,794,000 | 965,446,000 |
| Equity capital | 539,380,000 | 548,150,000 | 557,700,000 | 557,915,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 33,089,000 | 66,287,000 | 100,490,000 | 134,031,000 |
| Interest expense | 3,960,000 | 8,092,000 | 12,425,000 | 16,922,000 |
| Net interest income | 29,129,000 | 58,195,000 | 88,065,000 | 117,109,000 |
| Noninterest income | 2,896,000 | 6,869,000 | 11,267,000 | 16,342,000 |
| Noninterest expense | 21,105,000 | 43,269,000 | 63,788,000 | 87,900,000 |
| Provision for loan losses | 750,000 | 1,500,000 | 2,250,000 | 3,000,000 |
| Pretax income | 10,170,000 | 20,298,000 | 33,462,000 | 42,719,000 |
| Income tax | 3,420,000 | 6,440,000 | 10,801,000 | 13,720,000 |
| Net income | 6,750,000 | 13,858,000 | 22,661,000 | 28,999,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 510,137,000 | 517,134,000 | 526,513,000 | 533,277,000 |
| Total capital | 540,796,000 | 548,962,000 | 558,864,000 | 565,679,000 |
| Risk-weighted assets | 3,209,863,000 | 3,246,813,000 | 3,327,915,000 | 3,464,403,000 |