Call reports 2015
MILFORD BUILDING AND LOAN ASSOCIATION, SB — 2015
What MILFORD BUILDING AND LOAN ASSOCIATION, SB 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 | 26,823,000 | 26,492,000 | 27,349,000 | 27,215,000 |
| Total loans | 20,323,000 | 20,697,000 | 21,283,000 | 21,467,000 |
| Allowance for loan losses | 216,000 | 223,000 | 246,000 | 191,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 23,000 | 23,000 | 23,000 | 19,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,575,000 | 24,209,000 | 24,962,000 | 24,907,000 |
| Interest-bearing deposits | 24,575,000 | 24,209,000 | 24,962,000 | 24,907,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 2,142,000 | 2,165,000 | 2,195,000 | 2,245,000 |
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 | 226,000 | 465,000 | 717,000 | 964,000 |
| Interest expense | 40,000 | 80,000 | 122,000 | 166,000 |
| Net interest income | 186,000 | 385,000 | 595,000 | 798,000 |
| Noninterest income | -10,000 | -16,000 | -16,000 | -3,000 |
| Noninterest expense | 143,000 | 279,000 | 421,000 | 544,000 |
| Provision for loan losses | 18,000 | 40,000 | 63,000 | 90,000 |
| Pretax income | 15,000 | 50,000 | 95,000 | 161,000 |
| Income tax | 2,000 | 14,000 | 29,000 | 45,000 |
| Net income | 13,000 | 36,000 | 66,000 | 116,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,142,000 | 2,165,000 | 2,195,000 | 2,245,000 |
| Total capital | 2,320,000 | 2,343,000 | 2,378,000 | 2,407,000 |
| Risk-weighted assets | 14,249,000 | 14,239,000 | 14,605,000 | 12,962,000 |