Call reports 2018
MILFORD BUILDING AND LOAN ASSOCIATION, SB — 2018
What MILFORD BUILDING AND LOAN ASSOCIATION, SB reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 29,512,000 | 28,900,000 | 28,483,000 | 29,481,000 |
| Total loans | 21,607,000 | 21,849,000 | 21,664,000 | 21,648,000 |
| Allowance for loan losses | 207,000 | 168,000 | 175,000 | 173,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 13,000 | 13,000 | 13,000 | 11,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,883,000 | 26,197,000 | 25,688,000 | 26,704,000 |
| Interest-bearing deposits | 26,883,000 | 26,197,000 | 25,688,000 | 26,704,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 2,491,000 | 2,533,000 | 2,576,000 | 2,604,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 249,000 | 516,000 | 792,000 | 1,073,000 |
| Interest expense | 68,000 | 141,000 | 222,000 | 319,000 |
| Net interest income | 181,000 | 375,000 | 570,000 | 754,000 |
| Noninterest income | 7,000 | 8,000 | 19,000 | 26,000 |
| Noninterest expense | 139,000 | 277,000 | 416,000 | 555,000 |
| Provision for loan losses | 0 | 0 | 7,000 | 23,000 |
| Pretax income | 49,000 | 106,000 | 166,000 | 202,000 |
| Income tax | 14,000 | 29,000 | 46,000 | 54,000 |
| Net income | 35,000 | 77,000 | 120,000 | 148,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,491,000 | 2,533,000 | 2,576,000 | 2,604,000 |
| Total capital | 2,675,000 | 2,701,000 | 2,751,000 | 2,777,000 |
| Risk-weighted assets | 14,765,000 | 14,906,000 | 14,817,000 | 15,128,000 |