Call reports 2013
MILLBURY NATIONAL BANK — 2013
What MILLBURY NATIONAL BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 76,577,000 | 74,165,000 | 74,555,000 | 74,842,000 |
| Total loans | 51,655,000 | 51,038,000 | 53,395,000 | 54,533,000 |
| Allowance for loan losses | 485,000 | 443,000 | 479,000 | 486,000 |
| Securities available for sale | 14,453,000 | 16,009,000 | 15,422,000 | 15,340,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,065,000 | 65,840,000 | 66,094,000 | 66,302,000 |
| Interest-bearing deposits | 54,144,000 | 53,278,000 | 52,728,000 | 52,148,000 |
| Noninterest-bearing deposits | 13,921,000 | 12,562,000 | 13,366,000 | 14,154,000 |
| Equity capital | 7,778,000 | 7,591,000 | 7,635,000 | 7,728,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 836,000 | 1,681,000 | 2,554,000 | 3,433,000 |
| Interest expense | 69,000 | 137,000 | 200,000 | 261,000 |
| Net interest income | 767,000 | 1,544,000 | 2,354,000 | 3,172,000 |
| Noninterest income | 13,000 | 80,000 | 153,000 | 224,000 |
| Noninterest expense | 657,000 | 1,325,000 | 1,980,000 | 2,653,000 |
| Provision for loan losses | 65,000 | 120,000 | 155,000 | 173,000 |
| Pretax income | 58,000 | 179,000 | 372,000 | 570,000 |
| Income tax | 22,000 | 69,000 | 145,000 | 222,000 |
| Net income | 36,000 | 110,000 | 227,000 | 348,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,028,000 | 8,103,000 | 8,190,000 | 8,311,000 |
| Total capital | 8,513,000 | 8,546,000 | 8,669,000 | 8,797,000 |
| Risk-weighted assets | 53,352,000 | 53,825,000 | 54,895,000 | 56,205,000 |
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