Call reports 2001
NORTH MIDDLESEX SAVINGS BANK — 2001
What NORTH MIDDLESEX SAVINGS BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 205,486,000 | 214,864,000 | 226,415,000 | 230,467,000 |
| Total loans | 126,745,000 | 131,895,000 | 134,011,000 | 132,004,000 |
| Allowance for loan losses | 2,909,000 | 2,881,000 | 3,019,000 | 3,082,000 |
| Securities available for sale | 17,271,000 | 16,130,000 | 22,811,000 | 28,155,000 |
| Securities held to maturity | 40,776,000 | 40,122,000 | 47,960,000 | 48,395,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 184,611,000 | 193,183,000 | 204,356,000 | 208,042,000 |
| Interest-bearing deposits | 151,679,000 | 155,669,000 | 166,534,000 | 167,598,000 |
| Noninterest-bearing deposits | 32,932,000 | 37,514,000 | 37,822,000 | 40,444,000 |
| Equity capital | 19,914,000 | 20,397,000 | 20,839,000 | 21,477,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 3,534,000 | 7,106,000 | 10,697,000 | 14,150,000 |
| Interest expense | 1,589,000 | 3,188,000 | 4,816,000 | 6,381,000 |
| Net interest income | 1,945,000 | 3,918,000 | 5,881,000 | 7,769,000 |
| Noninterest income | 232,000 | 462,000 | 809,000 | 1,152,000 |
| Noninterest expense | 1,400,000 | 2,842,000 | 4,281,000 | 5,768,000 |
| Provision for loan losses | 75,000 | 132,000 | 207,000 | 282,000 |
| Pretax income | 696,000 | 1,387,000 | 2,183,000 | 2,789,000 |
| Income tax | 267,000 | 537,000 | 839,000 | 897,000 |
| Net income | 429,000 | 850,000 | 1,344,000 | 1,892,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,929,000 | 19,350,000 | 19,844,000 | 20,392,000 |
| Total capital | 21,131,000 | 21,646,000 | 22,124,000 | 22,809,000 |
| Risk-weighted assets | 118,813,000 | 120,595,000 | 127,843,000 | 131,744,000 |