Call reports 2008
NORTH MIDDLESEX SAVINGS BANK — 2008
What NORTH MIDDLESEX SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 344,571,000 | 347,497,000 | 338,900,000 | 340,459,000 |
| Total loans | 219,403,000 | 220,938,000 | 223,796,000 | 226,584,000 |
| Allowance for loan losses | 2,869,000 | 2,746,000 | 2,713,000 | 2,433,000 |
| Securities available for sale | 55,208,000 | 58,518,000 | 52,179,000 | 52,332,000 |
| Securities held to maturity | 25,748,000 | 23,991,000 | 22,426,000 | 21,473,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 263,053,000 | 264,715,000 | 259,470,000 | 251,814,000 |
| Interest-bearing deposits | 250,223,000 | 250,882,000 | 245,525,000 | 233,194,000 |
| Noninterest-bearing deposits | 12,830,000 | 13,833,000 | 13,945,000 | 18,620,000 |
| Equity capital | 32,637,000 | 32,072,000 | 27,692,000 | 28,584,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,671,000 | 9,211,000 | 13,673,000 | 17,936,000 |
| Interest expense | 2,382,000 | 4,518,000 | 6,472,000 | 8,263,000 |
| Net interest income | 2,289,000 | 4,693,000 | 7,201,000 | 9,673,000 |
| Noninterest income | 558,000 | 1,081,000 | 1,576,000 | 2,093,000 |
| Noninterest expense | 2,477,000 | 4,996,000 | 7,514,000 | 10,026,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 381,000 | 784,000 | -3,497,000 | -3,020,000 |
| Income tax | 49,000 | 117,000 | -662,000 | -1,337,000 |
| Net income | 332,000 | 667,000 | -2,835,000 | -1,683,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,462,000 | 32,598,000 | 29,699,000 | 29,387,000 |
| Total capital | 35,392,000 | 35,344,000 | 32,412,000 | 31,820,000 |
| Risk-weighted assets | 221,988,000 | 222,262,000 | 222,390,000 | 224,475,000 |