Call reports 2007
NORTH MIDDLESEX SAVINGS BANK — 2007
What NORTH MIDDLESEX SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 369,774,000 | 366,581,000 | 361,132,000 | 334,416,000 |
| Total loans | 256,871,000 | 255,715,000 | 255,953,000 | 214,899,000 |
| Allowance for loan losses | 2,929,000 | 2,859,000 | 2,868,000 | 2,867,000 |
| Securities available for sale | 50,407,000 | 47,767,000 | 46,396,000 | 45,924,000 |
| Securities held to maturity | 31,167,000 | 29,694,000 | 28,200,000 | 27,077,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 286,321,000 | 267,020,000 | 259,611,000 | 258,680,000 |
| Interest-bearing deposits | 271,215,000 | 243,446,000 | 232,627,000 | 229,567,000 |
| Noninterest-bearing deposits | 15,106,000 | 23,574,000 | 26,984,000 | 29,113,000 |
| Equity capital | 32,865,000 | 33,104,000 | 33,634,000 | 32,465,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 5,170,000 | 10,312,000 | 15,393,000 | 20,114,000 |
| Interest expense | 2,701,000 | 5,398,000 | 8,085,000 | 10,540,000 |
| Net interest income | 2,469,000 | 4,914,000 | 7,308,000 | 9,574,000 |
| Noninterest income | 417,000 | 893,000 | 1,364,000 | 385,000 |
| Noninterest expense | 2,442,000 | 4,919,000 | 7,444,000 | 9,958,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 519,000 | 1,106,000 | 1,596,000 | 1,985,000 |
| Income tax | 130,000 | 247,000 | 372,000 | 501,000 |
| Net income | 389,000 | 859,000 | 1,224,000 | 1,484,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,072,000 | 31,542,000 | 31,907,000 | 31,891,000 |
| Total capital | 35,273,000 | 35,735,000 | 36,005,000 | 34,947,000 |
| Risk-weighted assets | 226,173,000 | 225,484,000 | 223,502,000 | 213,867,000 |