Call reports 2005
MILLBURY NATIONAL BANK — 2005
What MILLBURY NATIONAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 61,199,000 | 64,329,000 | 66,695,000 | 65,219,000 |
| Total loans | 42,928,000 | 47,240,000 | 48,079,000 | 45,987,000 |
| Allowance for loan losses | 474,000 | 495,000 | 514,000 | 412,000 |
| Securities available for sale | 12,781,000 | 11,985,000 | 10,456,000 | 11,163,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,578,000 | 55,354,000 | 57,668,000 | 58,229,000 |
| Interest-bearing deposits | 38,182,000 | 38,719,000 | 40,752,000 | 38,912,000 |
| Noninterest-bearing deposits | 16,396,000 | 16,635,000 | 16,916,000 | 19,317,000 |
| Equity capital | 6,176,000 | 6,347,000 | 6,424,000 | 6,533,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 805,000 | 1,684,000 | 2,625,000 | 3,633,000 |
| Interest expense | 138,000 | 327,000 | 531,000 | 755,000 |
| Net interest income | 667,000 | 1,357,000 | 2,094,000 | 2,878,000 |
| Noninterest income | 97,000 | 199,000 | 309,000 | 412,000 |
| Noninterest expense | 598,000 | 1,198,000 | 1,783,000 | 2,390,000 |
| Provision for loan losses | 3,000 | 14,000 | 44,000 | 124,000 |
| Pretax income | 163,000 | 344,000 | 576,000 | 776,000 |
| Income tax | 63,000 | 137,000 | 230,000 | 309,000 |
| Net income | 100,000 | 207,000 | 346,000 | 467,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,314,000 | 6,421,000 | 6,516,000 | 6,637,000 |
| Total capital | 6,788,000 | 6,916,000 | 7,030,000 | 7,049,000 |
| Risk-weighted assets | 45,018,000 | 49,392,000 | 50,266,000 | 48,740,000 |
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