Call reports 2009
MILLBURY NATIONAL BANK — 2009
What MILLBURY NATIONAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 75,238,000 | 74,310,000 | 73,622,000 | 72,067,000 |
| Total loans | 52,659,000 | 53,096,000 | 52,938,000 | 51,281,000 |
| Allowance for loan losses | 456,000 | 463,000 | 509,000 | 493,000 |
| Securities available for sale | 13,157,000 | 14,613,000 | 12,928,000 | 11,443,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,340,000 | 65,313,000 | 64,523,000 | 63,166,000 |
| Interest-bearing deposits | 54,374,000 | 53,185,000 | 51,582,000 | 51,133,000 |
| Noninterest-bearing deposits | 11,966,000 | 12,128,000 | 12,941,000 | 12,033,000 |
| Equity capital | 7,540,000 | 7,494,000 | 7,402,000 | 7,390,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 897,000 | 1,818,000 | 2,743,000 | 3,668,000 |
| Interest expense | 247,000 | 518,000 | 754,000 | 959,000 |
| Net interest income | 650,000 | 1,300,000 | 1,989,000 | 2,709,000 |
| Noninterest income | 51,000 | 112,000 | 184,000 | 216,000 |
| Noninterest expense | 677,000 | 1,340,000 | 2,053,000 | 2,718,000 |
| Provision for loan losses | 170,000 | 200,000 | 330,000 | 355,000 |
| Pretax income | 50,000 | 68,000 | 69,000 | 131,000 |
| Income tax | 7,000 | 6,000 | -3,000 | 19,000 |
| Net income | 43,000 | 62,000 | 72,000 | 112,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,650,000 | 7,669,000 | 7,658,000 | 7,698,000 |
| Total capital | 8,106,000 | 8,132,000 | 8,167,000 | 8,191,000 |
| Risk-weighted assets | 58,358,000 | 57,215,000 | 56,405,000 | 54,474,000 |
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