Call reports 2003
NORTH MIDDLESEX SAVINGS BANK — 2003
What NORTH MIDDLESEX SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 282,040,000 | 290,235,000 | 299,348,000 | 295,109,000 |
| Total loans | 149,321,000 | 162,420,000 | 179,836,000 | 186,826,000 |
| Allowance for loan losses | 3,393,000 | 3,411,000 | 3,492,000 | 3,330,000 |
| Securities available for sale | 38,176,000 | 38,174,000 | 37,428,000 | 32,568,000 |
| Securities held to maturity | 73,641,000 | 63,987,000 | 60,580,000 | 53,969,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 226,289,000 | 233,036,000 | 245,544,000 | 227,227,000 |
| Interest-bearing deposits | 180,336,000 | 183,027,000 | 197,566,000 | 179,109,000 |
| Noninterest-bearing deposits | 45,953,000 | 50,009,000 | 47,978,000 | 48,118,000 |
| Equity capital | 24,326,000 | 25,333,000 | 25,811,000 | 26,255,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,465,000 | 6,901,000 | 10,293,000 | 13,774,000 |
| Interest expense | 1,120,000 | 2,151,000 | 3,126,000 | 4,071,000 |
| Net interest income | 2,345,000 | 4,750,000 | 7,167,000 | 9,703,000 |
| Noninterest income | 388,000 | 774,000 | 1,123,000 | 1,488,000 |
| Noninterest expense | 1,757,000 | 3,506,000 | 5,280,000 | 7,283,000 |
| Provision for loan losses | 57,000 | 95,000 | 152,000 | 0 |
| Pretax income | 843,000 | 1,856,000 | 2,786,000 | 3,839,000 |
| Income tax | 286,000 | 625,000 | 924,000 | 1,291,000 |
| Net income | 557,000 | 1,231,000 | 1,862,000 | 2,548,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,144,000 | 23,818,000 | 24,449,000 | 24,749,000 |
| Total capital | 25,556,000 | 26,544,000 | 27,266,000 | 27,837,000 |
| Risk-weighted assets | 148,011,000 | 155,888,000 | 164,318,000 | 168,978,000 |