Call reports 2015
NORTH MIDDLESEX SAVINGS BANK — 2015
What NORTH MIDDLESEX SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 383,808,000 | 384,066,000 | 391,933,000 | 409,546,000 |
| Total loans | 275,560,000 | 275,155,000 | 285,083,000 | 295,062,000 |
| Allowance for loan losses | 3,414,000 | 3,130,000 | 3,186,000 | 3,248,000 |
| Securities available for sale | 67,357,000 | 68,303,000 | 69,254,000 | 73,745,000 |
| Securities held to maturity | 1,904,000 | 1,757,000 | 1,621,000 | 1,497,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 316,857,000 | 314,250,000 | 319,238,000 | 332,929,000 |
| Interest-bearing deposits | 306,164,000 | 303,921,000 | 305,522,000 | 323,058,000 |
| Noninterest-bearing deposits | 10,693,000 | 10,329,000 | 13,716,000 | 9,871,000 |
| Equity capital | 35,614,000 | 35,184,000 | 35,953,000 | 35,833,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,481,000 | 6,999,000 | 10,587,000 | 14,321,000 |
| Interest expense | 522,000 | 1,030,000 | 1,558,000 | 2,117,000 |
| Net interest income | 2,959,000 | 5,969,000 | 9,029,000 | 12,204,000 |
| Noninterest income | 515,000 | 1,037,000 | 1,524,000 | 2,105,000 |
| Noninterest expense | 2,853,000 | 5,733,000 | 8,503,000 | 11,345,000 |
| Provision for loan losses | 83,000 | 166,000 | 249,000 | 332,000 |
| Pretax income | 586,000 | 1,208,000 | 1,993,000 | 2,763,000 |
| Income tax | 161,000 | 332,000 | 549,000 | 782,000 |
| Net income | 425,000 | 876,000 | 1,444,000 | 1,981,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,115,000 | 34,566,000 | 35,134,000 | 35,886,000 |
| Total capital | 38,186,000 | 38,268,000 | 38,767,000 | 39,716,000 |
| Risk-weighted assets | 283,268,000 | 286,851,000 | 294,550,000 | 300,741,000 |