Call reports 2002
NORTH MIDDLESEX SAVINGS BANK — 2002
What NORTH MIDDLESEX SAVINGS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 242,075,000 | 245,116,000 | 252,943,000 | 275,981,000 |
| Total loans | 133,017,000 | 133,452,000 | 132,851,000 | 137,887,000 |
| Allowance for loan losses | 3,158,000 | 3,194,000 | 3,265,000 | 3,339,000 |
| Securities available for sale | 35,290,000 | 36,400,000 | 39,115,000 | 43,873,000 |
| Securities held to maturity | 45,185,000 | 52,895,000 | 57,491,000 | 70,567,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 219,163,000 | 221,629,000 | 227,743,000 | 240,601,000 |
| Interest-bearing deposits | 177,839,000 | 176,905,000 | 182,685,000 | 193,396,000 |
| Noninterest-bearing deposits | 41,324,000 | 44,724,000 | 45,058,000 | 47,205,000 |
| Equity capital | 21,774,000 | 22,287,000 | 22,927,000 | 23,841,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,296,000 | 6,650,000 | 10,001,000 | 13,446,000 |
| Interest expense | 1,472,000 | 2,871,000 | 4,121,000 | 5,301,000 |
| Net interest income | 1,824,000 | 3,779,000 | 5,880,000 | 8,145,000 |
| Noninterest income | 294,000 | 601,000 | 1,278,000 | 1,693,000 |
| Noninterest expense | 1,502,000 | 3,039,000 | 4,694,000 | 6,355,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 225,000 |
| Pretax income | 545,000 | 1,205,000 | 2,276,000 | 3,217,000 |
| Income tax | 215,000 | 447,000 | 710,000 | 1,022,000 |
| Net income | 330,000 | 758,000 | 1,566,000 | 2,195,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,722,000 | 21,150,000 | 21,958,000 | 22,587,000 |
| Total capital | 23,269,000 | 23,503,000 | 24,091,000 | 24,974,000 |
| Risk-weighted assets | 137,290,000 | 133,166,000 | 136,829,000 | 144,855,000 |