Call reports 2006
NORTH MIDDLESEX SAVINGS BANK — 2006
What NORTH MIDDLESEX SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 347,128,000 | 359,192,000 | 362,294,000 | 365,291,000 |
| Total loans | 238,135,000 | 249,764,000 | 251,733,000 | 256,000,000 |
| Allowance for loan losses | 3,165,000 | 3,165,000 | 3,165,000 | 3,018,000 |
| Securities available for sale | 41,167,000 | 43,711,000 | 40,060,000 | 46,895,000 |
| Securities held to maturity | 37,732,000 | 36,706,000 | 35,012,000 | 33,577,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 268,828,000 | 281,955,000 | 287,290,000 | 288,292,000 |
| Interest-bearing deposits | 255,274,000 | 267,816,000 | 274,891,000 | 275,021,000 |
| Noninterest-bearing deposits | 13,554,000 | 14,139,000 | 12,399,000 | 13,271,000 |
| Equity capital | 30,563,000 | 30,685,000 | 31,778,000 | 32,355,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 4,485,000 | 9,260,000 | 14,233,000 | 19,351,000 |
| Interest expense | 1,873,000 | 4,066,000 | 6,526,000 | 9,131,000 |
| Net interest income | 2,612,000 | 5,194,000 | 7,707,000 | 10,220,000 |
| Noninterest income | 394,000 | 816,000 | 1,256,000 | 1,692,000 |
| Noninterest expense | 2,326,000 | 4,747,000 | 7,148,000 | 9,693,000 |
| Provision for loan losses | 0 | 0 | 0 | -125,000 |
| Pretax income | 688,000 | 1,271,000 | 1,684,000 | 2,213,000 |
| Income tax | 216,000 | 357,000 | 457,000 | 594,000 |
| Net income | 472,000 | 914,000 | 1,227,000 | 1,619,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,535,000 | 29,978,000 | 30,291,000 | 30,683,000 |
| Total capital | 33,262,000 | 33,765,000 | 34,235,000 | 34,816,000 |
| Risk-weighted assets | 210,677,000 | 221,808,000 | 221,995,000 | 224,215,000 |