Call reports 2004
NORTH MIDDLESEX SAVINGS BANK — 2004
What NORTH MIDDLESEX SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 292,489,000 | 307,724,000 | 314,610,000 | 317,512,000 |
| Total loans | 183,490,000 | 188,893,000 | 194,127,000 | 207,400,000 |
| Allowance for loan losses | 3,206,000 | 3,206,000 | 3,207,000 | 3,207,000 |
| Securities available for sale | 31,061,000 | 39,346,000 | 39,518,000 | 37,063,000 |
| Securities held to maturity | 51,660,000 | 52,844,000 | 52,763,000 | 49,751,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 223,769,000 | 234,223,000 | 245,196,000 | 253,669,000 |
| Interest-bearing deposits | 180,062,000 | 187,978,000 | 196,761,000 | 206,639,000 |
| Noninterest-bearing deposits | 43,707,000 | 46,245,000 | 48,435,000 | 47,030,000 |
| Equity capital | 26,939,000 | 26,914,000 | 27,699,000 | 28,277,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,368,000 | 6,722,000 | 10,235,000 | 13,856,000 |
| Interest expense | 922,000 | 1,887,000 | 2,953,000 | 4,084,000 |
| Net interest income | 2,446,000 | 4,835,000 | 7,282,000 | 9,772,000 |
| Noninterest income | 394,000 | 766,000 | 1,147,000 | 1,577,000 |
| Noninterest expense | 2,070,000 | 4,122,000 | 6,280,000 | 8,776,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 852,000 | 1,625,000 | 2,305,000 | 2,975,000 |
| Income tax | 286,000 | 542,000 | 757,000 | 841,000 |
| Net income | 566,000 | 1,083,000 | 1,548,000 | 2,134,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,315,000 | 25,832,000 | 26,297,000 | 26,883,000 |
| Total capital | 28,431,000 | 28,966,000 | 29,523,000 | 30,270,000 |
| Risk-weighted assets | 168,815,000 | 176,617,000 | 181,286,000 | 189,672,000 |