Call reports 2012
NORTH MIDDLESEX SAVINGS BANK — 2012
What NORTH MIDDLESEX SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 324,762,000 | 322,428,000 | 332,340,000 | 337,013,000 |
| Total loans | 237,246,000 | 237,965,000 | 248,949,000 | 251,805,000 |
| Allowance for loan losses | 3,445,000 | 3,516,000 | 3,592,000 | 3,674,000 |
| Securities available for sale | 42,403,000 | 43,154,000 | 42,624,000 | 42,041,000 |
| Securities held to maturity | 6,236,000 | 5,653,000 | 5,129,000 | 4,662,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 268,721,000 | 265,693,000 | 269,264,000 | 274,153,000 |
| Interest-bearing deposits | 261,936,000 | 259,291,000 | 262,024,000 | 266,168,000 |
| Noninterest-bearing deposits | 6,785,000 | 6,402,000 | 7,240,000 | 7,985,000 |
| Equity capital | 28,474,000 | 29,086,000 | 29,885,000 | 30,897,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,403,000 | 6,763,000 | 10,077,000 | 13,427,000 |
| Interest expense | 701,000 | 1,352,000 | 1,989,000 | 2,603,000 |
| Net interest income | 2,702,000 | 5,411,000 | 8,088,000 | 10,824,000 |
| Noninterest income | 869,000 | 1,496,000 | 2,049,000 | 2,711,000 |
| Noninterest expense | 2,629,000 | 5,159,000 | 7,632,000 | 10,268,000 |
| Provision for loan losses | 158,000 | 366,000 | 550,000 | 758,000 |
| Pretax income | 712,000 | 1,316,000 | 1,890,000 | 2,463,000 |
| Income tax | 224,000 | 409,000 | 565,000 | 721,000 |
| Net income | 488,000 | 907,000 | 1,325,000 | 1,742,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,621,000 | 26,942,000 | 27,364,000 | 28,584,000 |
| Total capital | 30,056,000 | 30,411,000 | 31,072,000 | 32,236,000 |
| Risk-weighted assets | 238,011,000 | 240,523,000 | 252,971,000 | 253,007,000 |