Call reports 2008
MILLBURY NATIONAL BANK — 2008
What MILLBURY NATIONAL BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 71,145,000 | 77,165,000 | 74,467,000 | 76,496,000 |
| Total loans | 47,181,000 | 49,186,000 | 50,029,000 | 52,509,000 |
| Allowance for loan losses | 274,000 | 287,000 | 261,000 | 286,000 |
| Securities available for sale | 16,815,000 | 14,503,000 | 15,682,000 | 15,131,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,100,000 | 63,674,000 | 61,478,000 | 64,959,000 |
| Interest-bearing deposits | 47,646,000 | 51,049,000 | 49,004,000 | 51,394,000 |
| Noninterest-bearing deposits | 14,454,000 | 12,625,000 | 12,474,000 | 13,565,000 |
| Equity capital | 7,731,000 | 7,411,000 | 7,460,000 | 7,602,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,172,000 | 2,189,000 | 3,334,000 | 4,379,000 |
| Interest expense | 435,000 | 836,000 | 1,216,000 | 1,537,000 |
| Net interest income | 737,000 | 1,353,000 | 2,118,000 | 2,842,000 |
| Noninterest income | 75,000 | 136,000 | 205,000 | 278,000 |
| Noninterest expense | 655,000 | 1,298,000 | 1,943,000 | 2,606,000 |
| Provision for loan losses | 10,000 | 26,000 | 50,000 | 80,000 |
| Pretax income | 147,000 | 165,000 | 330,000 | 434,000 |
| Income tax | 47,000 | 14,000 | 98,000 | 128,000 |
| Net income | 100,000 | 151,000 | 232,000 | 306,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,494,000 | 7,546,000 | 7,577,000 | 7,651,000 |
| Total capital | 7,768,000 | 7,833,000 | 7,838,000 | 7,937,000 |
| Risk-weighted assets | 53,546,000 | 55,774,000 | 56,087,000 | 57,123,000 |
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