Call reports 2015
MILLBURY NATIONAL BANK — 2015
What MILLBURY NATIONAL BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 82,093,000 | 83,793,000 | 83,529,000 | 85,160,000 |
| Total loans | 58,541,000 | 60,085,000 | 62,207,000 | 62,840,000 |
| Allowance for loan losses | 539,000 | 546,000 | 534,000 | 525,000 |
| Securities available for sale | 15,864,000 | 15,729,000 | 15,833,000 | 15,765,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,735,000 | 74,364,000 | 73,827,000 | 75,395,000 |
| Interest-bearing deposits | 58,562,000 | 59,191,000 | 59,365,000 | 60,214,000 |
| Noninterest-bearing deposits | 14,173,000 | 15,173,000 | 14,462,000 | 15,181,000 |
| Equity capital | 8,615,000 | 8,665,000 | 8,815,000 | 8,923,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 925,000 | 1,854,000 | 2,809,000 | 3,791,000 |
| Interest expense | 72,000 | 147,000 | 226,000 | 309,000 |
| Net interest income | 853,000 | 1,707,000 | 2,583,000 | 3,482,000 |
| Noninterest income | 48,000 | 97,000 | 147,000 | 200,000 |
| Noninterest expense | 711,000 | 1,399,000 | 2,111,000 | 2,829,000 |
| Provision for loan losses | 8,000 | 14,000 | 14,000 | 14,000 |
| Pretax income | 182,000 | 391,000 | 605,000 | 839,000 |
| Income tax | 72,000 | 154,000 | 237,000 | 330,000 |
| Net income | 110,000 | 237,000 | 368,000 | 509,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,830,000 | 8,956,000 | 9,034,000 | 9,174,000 |
| Total capital | 9,369,000 | 9,507,000 | 9,573,000 | 9,703,000 |
| Risk-weighted assets | 59,836,000 | 56,097,000 | 58,013,000 | 57,860,000 |