Call reports 2014
MILLBURY NATIONAL BANK — 2014
What MILLBURY NATIONAL BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 79,639,000 | 82,682,000 | 80,750,000 | 82,277,000 |
| Total loans | 56,563,000 | 57,193,000 | 56,882,000 | 57,824,000 |
| Allowance for loan losses | 509,000 | 518,000 | 526,000 | 530,000 |
| Securities available for sale | 15,555,000 | 15,654,000 | 15,622,000 | 15,655,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,131,000 | 73,941,000 | 71,827,000 | 73,130,000 |
| Interest-bearing deposits | 57,162,000 | 59,831,000 | 57,867,000 | 58,642,000 |
| Noninterest-bearing deposits | 13,969,000 | 14,110,000 | 13,960,000 | 14,488,000 |
| Equity capital | 8,123,000 | 8,342,000 | 8,427,000 | 8,614,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 876,000 | 1,794,000 | 2,727,000 | 3,651,000 |
| Interest expense | 59,000 | 119,000 | 188,000 | 260,000 |
| Net interest income | 817,000 | 1,675,000 | 2,539,000 | 3,391,000 |
| Noninterest income | 57,000 | 109,000 | 163,000 | 219,000 |
| Noninterest expense | 667,000 | 1,329,000 | 2,012,000 | 2,687,000 |
| Provision for loan losses | 22,000 | 31,000 | 40,000 | 45,000 |
| Pretax income | 185,000 | 424,000 | 650,000 | 878,000 |
| Income tax | 73,000 | 167,000 | 255,000 | 345,000 |
| Net income | 112,000 | 257,000 | 395,000 | 533,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,384,000 | 8,529,000 | 8,618,000 | 8,774,000 |
| Total capital | 8,893,000 | 9,047,000 | 9,144,000 | 9,304,000 |
| Risk-weighted assets | 56,674,000 | 57,368,000 | 56,860,000 | 58,672,000 |
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