Call reports 2015
MIDDLESEX FEDERAL SAVINGS, F.A. — 2015
What MIDDLESEX FEDERAL SAVINGS, F.A. 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 | 338,918,000 | 347,188,000 | 363,436,000 | 372,615,000 |
| Total loans | 239,023,000 | 242,463,000 | 256,003,000 | 268,858,000 |
| Allowance for loan losses | 4,175,000 | 4,183,000 | 4,209,000 | 4,221,000 |
| Securities available for sale | 11,251,000 | 11,003,000 | 10,139,000 | 9,946,000 |
| Securities held to maturity | 57,150,000 | 56,068,000 | 54,114,000 | 54,037,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 247,371,000 | 256,990,000 | 276,268,000 | 283,281,000 |
| Interest-bearing deposits | 239,768,000 | 250,416,000 | 268,210,000 | 273,567,000 |
| Noninterest-bearing deposits | 7,603,000 | 6,574,000 | 8,058,000 | 9,714,000 |
| Equity capital | 37,845,000 | 37,823,000 | 37,461,000 | 37,358,000 |
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 | 2,862,000 | 5,727,000 | 8,691,000 | 11,936,000 |
| Interest expense | 601,000 | 1,259,000 | 1,972,000 | 2,759,000 |
| Net interest income | 2,261,000 | 4,468,000 | 6,719,000 | 9,177,000 |
| Noninterest income | 108,000 | 234,000 | 414,000 | 546,000 |
| Noninterest expense | 2,202,000 | 4,362,000 | 6,514,000 | 8,725,000 |
| Provision for loan losses | 0 | 0 | 0 | -781,000 |
| Pretax income | 167,000 | 340,000 | 619,000 | 1,794,000 |
| Income tax | 33,000 | 70,000 | 146,000 | 791,000 |
| Net income | 134,000 | 270,000 | 473,000 | 1,003,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,298,000 | 38,433,000 | 38,371,000 | 38,778,000 |
| Total capital | 41,508,000 | 41,592,000 | 41,476,000 | 42,032,000 |
| Risk-weighted assets | 231,220,000 | 234,900,000 | 246,144,000 | 258,201,000 |