Call reports 2009
NORTH MIDDLESEX SAVINGS BANK — 2009
What NORTH MIDDLESEX SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 342,873,000 | 339,083,000 | 339,900,000 | 343,089,000 |
| Total loans | 225,852,000 | 225,576,000 | 216,766,000 | 214,594,000 |
| Allowance for loan losses | 2,476,000 | 2,324,000 | 2,365,000 | 2,340,000 |
| Securities available for sale | 59,355,000 | 52,567,000 | 50,380,000 | 59,375,000 |
| Securities held to maturity | 20,214,000 | 18,511,000 | 16,996,000 | 15,748,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 254,386,000 | 260,070,000 | 261,198,000 | 269,518,000 |
| Interest-bearing deposits | 241,081,000 | 247,878,000 | 249,692,000 | 255,884,000 |
| Noninterest-bearing deposits | 13,305,000 | 12,192,000 | 11,506,000 | 13,634,000 |
| Equity capital | 28,475,000 | 26,479,000 | 28,001,000 | 27,145,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,107,000 | 8,023,000 | 11,777,000 | 15,411,000 |
| Interest expense | 1,661,000 | 3,244,000 | 4,661,000 | 5,990,000 |
| Net interest income | 2,446,000 | 4,779,000 | 7,116,000 | 9,421,000 |
| Noninterest income | 516,000 | 1,131,000 | 1,719,000 | 2,322,000 |
| Noninterest expense | 2,650,000 | 5,490,000 | 8,177,000 | 10,714,000 |
| Provision for loan losses | 55,000 | 55,000 | 55,000 | 480,000 |
| Pretax income | 247,000 | 352,000 | 583,000 | -344,000 |
| Income tax | 22,000 | 5,000 | -41,000 | -379,000 |
| Net income | 225,000 | 347,000 | 624,000 | 35,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,543,000 | 29,142,000 | 29,803,000 | 28,372,000 |
| Total capital | 31,019,000 | 31,466,000 | 32,170,000 | 30,870,000 |
| Risk-weighted assets | 222,303,000 | 258,967,000 | 251,564,000 | 241,032,000 |