Call reports 2011
NORTH MIDDLESEX SAVINGS BANK — 2011
What NORTH MIDDLESEX SAVINGS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 332,878,000 | 334,162,000 | 327,684,000 | 329,317,000 |
| Total loans | 231,696,000 | 233,452,000 | 234,661,000 | 240,146,000 |
| Allowance for loan losses | 2,540,000 | 2,858,000 | 3,318,000 | 3,554,000 |
| Securities available for sale | 48,130,000 | 47,149,000 | 43,971,000 | 43,218,000 |
| Securities held to maturity | 9,310,000 | 8,409,000 | 7,605,000 | 6,997,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 269,800,000 | 271,615,000 | 267,618,000 | 268,710,000 |
| Interest-bearing deposits | 263,811,000 | 264,858,000 | 260,521,000 | 262,175,000 |
| Noninterest-bearing deposits | 5,989,000 | 6,757,000 | 7,097,000 | 6,535,000 |
| Equity capital | 27,213,000 | 27,760,000 | 27,882,000 | 27,583,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,429,000 | 6,902,000 | 10,346,000 | 13,711,000 |
| Interest expense | 859,000 | 1,687,000 | 2,475,000 | 3,222,000 |
| Net interest income | 2,570,000 | 5,215,000 | 7,871,000 | 10,489,000 |
| Noninterest income | 518,000 | 1,092,000 | 1,484,000 | 2,002,000 |
| Noninterest expense | 2,765,000 | 5,510,000 | 8,008,000 | 10,672,000 |
| Provision for loan losses | 150,000 | 550,000 | 1,327,000 | 1,786,000 |
| Pretax income | 222,000 | 416,000 | 123,000 | 110,000 |
| Income tax | 30,000 | 55,000 | -171,000 | -260,000 |
| Net income | 192,000 | 361,000 | 294,000 | 370,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,088,000 | 26,340,000 | 26,077,000 | 26,070,000 |
| Total capital | 29,090,000 | 29,593,000 | 29,194,000 | 29,380,000 |
| Risk-weighted assets | 238,472,000 | 240,939,000 | 240,390,000 | 241,311,000 |