Call reports 2017
MILFORD BUILDING AND LOAN ASSOCIATION, SB — 2017
What MILFORD BUILDING AND LOAN ASSOCIATION, SB reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 27,872,000 | 27,350,000 | 28,318,000 | 27,121,000 |
| Total loans | 21,395,000 | 21,731,000 | 21,659,000 | 21,584,000 |
| Allowance for loan losses | 204,000 | 207,000 | 207,000 | 207,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 15,000 | 15,000 | 15,000 | 14,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,373,000 | 24,808,000 | 24,433,000 | 23,318,000 |
| Interest-bearing deposits | 25,373,000 | 24,808,000 | 24,433,000 | 23,318,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 2,379,000 | 2,409,000 | 2,448,000 | 2,457,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 242,000 | 487,000 | 738,000 | 987,000 |
| Interest expense | 43,000 | 85,000 | 128,000 | 183,000 |
| Net interest income | 199,000 | 402,000 | 610,000 | 804,000 |
| Noninterest income | 2,000 | 4,000 | 5,000 | -10,000 |
| Noninterest expense | 141,000 | 296,000 | 443,000 | 616,000 |
| Provision for loan losses | 10,000 | 13,000 | 13,000 | 13,000 |
| Pretax income | 50,000 | 97,000 | 159,000 | 165,000 |
| Income tax | 19,000 | 37,000 | 59,000 | 57,000 |
| Net income | 31,000 | 60,000 | 100,000 | 108,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,379,000 | 2,409,000 | 2,448,000 | 2,457,000 |
| Total capital | 2,558,000 | 2,590,000 | 2,631,000 | 2,638,000 |
| Risk-weighted assets | 14,371,000 | 14,468,000 | 14,628,000 | 14,482,000 |