Call reports 2016
NORTH MIDDLESEX SAVINGS BANK — 2016
What NORTH MIDDLESEX SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 410,856,000 | 417,026,000 | 427,396,000 | 437,046,000 |
| Total loans | 309,671,000 | 313,320,000 | 323,593,000 | 328,133,000 |
| Allowance for loan losses | 3,299,000 | 3,339,000 | 3,435,000 | 3,504,000 |
| Securities available for sale | 66,603,000 | 62,144,000 | 60,626,000 | 57,993,000 |
| Securities held to maturity | 1,391,000 | 1,278,000 | 1,181,000 | 1,073,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 332,476,000 | 340,103,000 | 346,380,000 | 352,600,000 |
| Interest-bearing deposits | 320,868,000 | 329,403,000 | 333,779,000 | 338,267,000 |
| Noninterest-bearing deposits | 11,608,000 | 10,700,000 | 12,601,000 | 14,333,000 |
| Equity capital | 37,024,000 | 38,007,000 | 38,262,000 | 37,852,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,753,000 | 7,569,000 | 11,553,000 | 15,531,000 |
| Interest expense | 613,000 | 1,231,000 | 1,811,000 | 2,407,000 |
| Net interest income | 3,140,000 | 6,338,000 | 9,742,000 | 13,124,000 |
| Noninterest income | 523,000 | 1,098,000 | 1,693,000 | 2,167,000 |
| Noninterest expense | 2,904,000 | 5,912,000 | 9,205,000 | 12,395,000 |
| Provision for loan losses | 83,000 | 166,000 | 249,000 | 257,000 |
| Pretax income | 925,000 | 1,722,000 | 2,580,000 | 3,249,000 |
| Income tax | 267,000 | 488,000 | 710,000 | 907,000 |
| Net income | 658,000 | 1,234,000 | 1,870,000 | 2,342,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,544,000 | 37,120,000 | 37,756,000 | 38,387,000 |
| Total capital | 40,495,000 | 41,202,000 | 41,820,000 | 42,510,000 |
| Risk-weighted assets | 311,385,000 | 318,867,000 | 324,318,000 | 330,079,000 |