Call reports 2012
MILFORD BUILDING AND LOAN ASSOCIATION, SB — 2012
What MILFORD BUILDING AND LOAN ASSOCIATION, SB reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 26,479,000 | 25,955,000 | 25,668,000 | 25,040,000 |
| Total loans | 17,478,000 | 18,039,000 | 18,430,000 | 18,951,000 |
| Allowance for loan losses | 157,000 | 163,000 | 169,000 | 195,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 40,000 | 34,000 | 34,000 | 30,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,575,000 | 24,032,000 | 23,593,000 | 23,018,000 |
| Interest-bearing deposits | 24,575,000 | 24,032,000 | 23,593,000 | 23,018,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 1,797,000 | 1,850,000 | 1,930,000 | 1,919,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 267,000 | 492,000 | 741,000 | 1,049,000 |
| Interest expense | 73,000 | 138,000 | 197,000 | 254,000 |
| Net interest income | 194,000 | 354,000 | 544,000 | 795,000 |
| Noninterest income | 7,000 | 62,000 | 112,000 | -15,000 |
| Noninterest expense | 117,000 | 256,000 | 381,000 | 417,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 44,000 |
| Pretax income | 78,000 | 148,000 | 257,000 | 319,000 |
| Income tax | 19,000 | 37,000 | 65,000 | 138,000 |
| Net income | 59,000 | 111,000 | 192,000 | 181,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,797,000 | 1,850,000 | 1,930,000 | 1,919,000 |
| Total capital | 1,948,000 | 2,000,000 | 2,080,000 | 2,066,000 |
| Risk-weighted assets | 11,279,000 | 11,218,000 | 11,462,000 | 11,643,000 |