Call reports 2013
NORTH MIDDLESEX SAVINGS BANK — 2013
What NORTH MIDDLESEX SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 333,231,000 | 336,833,000 | 348,234,000 | 358,824,000 |
| Total loans | 243,693,000 | 251,080,000 | 257,815,000 | 268,460,000 |
| Allowance for loan losses | 3,470,000 | 3,578,000 | 3,428,000 | 3,354,000 |
| Securities available for sale | 42,214,000 | 43,116,000 | 45,826,000 | 48,548,000 |
| Securities held to maturity | 4,204,000 | 3,583,000 | 3,067,000 | 2,804,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 272,816,000 | 276,580,000 | 284,434,000 | 290,792,000 |
| Interest-bearing deposits | 265,481,000 | 268,749,000 | 275,714,000 | 281,694,000 |
| Noninterest-bearing deposits | 7,335,000 | 7,831,000 | 8,720,000 | 9,098,000 |
| Equity capital | 31,399,000 | 30,878,000 | 31,126,000 | 32,725,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,256,000 | 6,447,000 | 9,765,000 | 13,203,000 |
| Interest expense | 569,000 | 1,126,000 | 1,645,000 | 2,170,000 |
| Net interest income | 2,687,000 | 5,321,000 | 8,120,000 | 11,033,000 |
| Noninterest income | 533,000 | 1,069,000 | 1,658,000 | 2,193,000 |
| Noninterest expense | 2,572,000 | 5,124,000 | 7,674,000 | 10,486,000 |
| Provision for loan losses | 158,000 | 317,000 | 475,000 | 733,000 |
| Pretax income | 513,000 | 1,003,000 | 1,672,000 | 2,508,000 |
| Income tax | 141,000 | 276,000 | 467,000 | 587,000 |
| Net income | 372,000 | 727,000 | 1,205,000 | 1,921,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,958,000 | 29,236,000 | 29,841,000 | 30,562,000 |
| Total capital | 32,668,000 | 32,975,000 | 33,666,000 | 34,520,000 |
| Risk-weighted assets | 245,688,000 | 250,879,000 | 255,656,000 | 272,873,000 |