Call reports 2005
NORTH MIDDLESEX SAVINGS BANK — 2005
What NORTH MIDDLESEX SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 315,976,000 | 330,885,000 | 336,759,000 | 341,443,000 |
| Total loans | 210,780,000 | 221,193,000 | 228,749,000 | 234,116,000 |
| Allowance for loan losses | 3,210,000 | 3,166,000 | 3,203,000 | 3,162,000 |
| Securities available for sale | 35,511,000 | 37,027,000 | 39,346,000 | 41,286,000 |
| Securities held to maturity | 47,252,000 | 44,374,000 | 41,022,000 | 38,855,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 247,979,000 | 260,283,000 | 266,899,000 | 266,044,000 |
| Interest-bearing deposits | 205,646,000 | 215,883,000 | 251,896,000 | 253,000,000 |
| Noninterest-bearing deposits | 42,333,000 | 44,400,000 | 15,003,000 | 13,044,000 |
| Equity capital | 28,478,000 | 29,307,000 | 29,802,000 | 30,154,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,729,000 | 7,649,000 | 11,852,000 | 16,248,000 |
| Interest expense | 1,151,000 | 2,465,000 | 3,954,000 | 5,614,000 |
| Net interest income | 2,578,000 | 5,184,000 | 7,898,000 | 10,634,000 |
| Noninterest income | 351,000 | 710,000 | 1,246,000 | 1,621,000 |
| Noninterest expense | 2,179,000 | 4,378,000 | 6,610,000 | 9,031,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 766,000 | 1,571,000 | 2,589,000 | 3,250,000 |
| Income tax | 225,000 | 458,000 | 852,000 | 1,069,000 |
| Net income | 541,000 | 1,113,000 | 1,737,000 | 2,181,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,424,000 | 27,996,000 | 28,620,000 | 29,064,000 |
| Total capital | 30,758,000 | 31,482,000 | 32,241,000 | 32,653,000 |
| Risk-weighted assets | 191,909,000 | 199,295,000 | 204,883,000 | 207,030,000 |