Call reports 2007
MILLBURY NATIONAL BANK — 2007
What MILLBURY NATIONAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 62,102,000 | 62,388,000 | 65,851,000 | 71,737,000 |
| Total loans | 41,309,000 | 42,691,000 | 43,208,000 | 46,349,000 |
| Allowance for loan losses | 266,000 | 228,000 | 302,000 | 306,000 |
| Securities available for sale | 13,713,000 | 12,866,000 | 14,336,000 | 16,575,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,663,000 | 49,816,000 | 56,042,000 | 62,379,000 |
| Interest-bearing deposits | 37,899,000 | 35,646,000 | 41,606,000 | 43,947,000 |
| Noninterest-bearing deposits | 13,764,000 | 14,170,000 | 14,436,000 | 18,432,000 |
| Equity capital | 7,073,000 | 7,186,000 | 7,351,000 | 7,532,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,074,000 | 2,206,000 | 3,411,000 | 4,658,000 |
| Interest expense | 272,000 | 576,000 | 937,000 | 1,349,000 |
| Net interest income | 802,000 | 1,630,000 | 2,474,000 | 3,309,000 |
| Noninterest income | 87,000 | 178,000 | 284,000 | 378,000 |
| Noninterest expense | 673,000 | 1,320,000 | 2,055,000 | 2,791,000 |
| Provision for loan losses | 12,000 | 24,000 | 26,000 | 32,000 |
| Pretax income | 204,000 | 464,000 | 677,000 | 864,000 |
| Income tax | 79,000 | 178,000 | 258,000 | 324,000 |
| Net income | 125,000 | 286,000 | 419,000 | 540,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,076,000 | 7,237,000 | 7,324,000 | 7,445,000 |
| Total capital | 7,342,000 | 7,465,000 | 7,626,000 | 7,751,000 |
| Risk-weighted assets | 44,788,000 | 45,880,000 | 47,076,000 | 52,827,000 |
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