Call reports 2010
NORTH MIDDLESEX SAVINGS BANK — 2010
What NORTH MIDDLESEX SAVINGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 340,465,000 | 340,773,000 | 342,697,000 | 336,471,000 |
| Total loans | 212,159,000 | 213,985,000 | 223,182,000 | 229,128,000 |
| Allowance for loan losses | 2,425,000 | 3,597,000 | 2,562,000 | 2,400,000 |
| Securities available for sale | 65,071,000 | 61,678,000 | 50,965,000 | 48,595,000 |
| Securities held to maturity | 14,598,000 | 13,120,000 | 11,959,000 | 10,218,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 270,525,000 | 275,241,000 | 277,121,000 | 272,120,000 |
| Interest-bearing deposits | 258,449,000 | 262,244,000 | 263,593,000 | 265,414,000 |
| Noninterest-bearing deposits | 12,076,000 | 12,997,000 | 13,528,000 | 6,706,000 |
| Equity capital | 27,522,000 | 26,777,000 | 27,256,000 | 26,616,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,567,000 | 7,083,000 | 10,556,000 | 13,967,000 |
| Interest expense | 1,180,000 | 2,320,000 | 3,400,000 | 4,347,000 |
| Net interest income | 2,387,000 | 4,763,000 | 7,156,000 | 9,620,000 |
| Noninterest income | 580,000 | 1,233,000 | 1,946,000 | 2,755,000 |
| Noninterest expense | 2,565,000 | 5,471,000 | 8,147,000 | 10,608,000 |
| Provision for loan losses | 355,000 | 2,046,000 | 2,656,000 | 2,906,000 |
| Pretax income | 56,000 | -2,737,000 | -2,387,000 | -1,785,000 |
| Income tax | 6,000 | -1,136,000 | -1,017,000 | -853,000 |
| Net income | 50,000 | -1,601,000 | -1,370,000 | -932,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,386,000 | 25,647,000 | 25,869,000 | 25,940,000 |
| Total capital | 31,097,000 | 28,550,000 | 28,673,000 | 28,699,000 |
| Risk-weighted assets | 236,764,000 | 229,094,000 | 236,072,000 | 239,054,000 |