Call reports 2014
NORTH MIDDLESEX SAVINGS BANK — 2014
What NORTH MIDDLESEX SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 364,034,000 | 369,662,000 | 372,339,000 | 378,980,000 |
| Total loans | 269,333,000 | 270,006,000 | 272,807,000 | 274,919,000 |
| Allowance for loan losses | 3,172,000 | 3,437,000 | 3,451,000 | 3,379,000 |
| Securities available for sale | 54,329,000 | 57,238,000 | 56,672,000 | 67,127,000 |
| Securities held to maturity | 2,595,000 | 2,406,000 | 2,223,000 | 2,051,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 289,864,000 | 299,092,000 | 303,099,000 | 308,636,000 |
| Interest-bearing deposits | 281,094,000 | 287,196,000 | 291,937,000 | 298,250,000 |
| Noninterest-bearing deposits | 8,770,000 | 11,896,000 | 11,162,000 | 10,386,000 |
| Equity capital | 34,212,000 | 35,013,000 | 35,401,000 | 35,020,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,376,000 | 6,799,000 | 10,343,000 | 13,841,000 |
| Interest expense | 509,000 | 1,020,000 | 1,548,000 | 2,081,000 |
| Net interest income | 2,867,000 | 5,779,000 | 8,795,000 | 11,760,000 |
| Noninterest income | 387,000 | 878,000 | 1,468,000 | 1,999,000 |
| Noninterest expense | 2,743,000 | 5,505,000 | 8,216,000 | 10,915,000 |
| Provision for loan losses | 158,000 | 667,000 | 795,000 | 893,000 |
| Pretax income | 352,000 | 877,000 | 1,631,000 | 2,361,000 |
| Income tax | 81,000 | 217,000 | 413,000 | 721,000 |
| Net income | 271,000 | 660,000 | 1,218,000 | 1,640,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,834,000 | 31,224,000 | 31,781,000 | 33,092,000 |
| Total capital | 34,677,000 | 35,130,000 | 35,627,000 | 37,056,000 |
| Risk-weighted assets | 260,443,000 | 262,444,000 | 261,203,000 | 265,627,000 |