Call reports 2019
MILFORD BUILDING AND LOAN ASSOCIATION, SB — 2019
What MILFORD BUILDING AND LOAN ASSOCIATION, SB reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 30,366,000 | 30,272,000 | 30,141,000 | 29,982,000 |
| Total loans | 21,440,000 | 21,213,000 | 20,801,000 | 20,521,000 |
| Allowance for loan losses | 182,000 | 170,000 | 183,000 | 177,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 11,000 | 11,000 | 10,000 | 7,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,535,000 | 27,389,000 | 27,205,000 | 27,072,000 |
| Interest-bearing deposits | 27,535,000 | 27,389,000 | 27,205,000 | 27,072,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 2,630,000 | 2,653,000 | 2,675,000 | 2,716,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 286,000 | 579,000 | 887,000 | 1,186,000 |
| Interest expense | 108,000 | 227,000 | 349,000 | 469,000 |
| Net interest income | 178,000 | 352,000 | 538,000 | 717,000 |
| Noninterest income | 3,000 | 5,000 | 6,000 | 11,000 |
| Noninterest expense | 135,000 | 269,000 | 409,000 | 525,000 |
| Provision for loan losses | 9,000 | 20,000 | 33,000 | 47,000 |
| Pretax income | 37,000 | 68,000 | 102,000 | 156,000 |
| Income tax | 10,000 | 20,000 | 32,000 | 44,000 |
| Net income | 27,000 | 48,000 | 70,000 | 112,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,630,000 | 2,653,000 | 2,675,000 | 2,716,000 |
| Total capital | 2,812,000 | 2,823,000 | 2,858,000 | 2,893,000 |
| Risk-weighted assets | 15,257,000 | 15,152,000 | 14,933,000 | 14,919,000 |