Call reports 2016
MILLBURY NATIONAL BANK — 2016
What MILLBURY NATIONAL BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 88,584,000 | 87,218,000 | 88,497,000 | 89,828,000 |
| Total loans | 65,650,000 | 63,716,000 | 64,704,000 | 62,640,000 |
| Allowance for loan losses | 537,000 | 379,000 | 419,000 | 447,000 |
| Securities available for sale | 15,814,000 | 15,859,000 | 15,815,000 | 15,488,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,770,000 | 77,251,000 | 78,394,000 | 80,273,000 |
| Interest-bearing deposits | 65,195,000 | 63,676,000 | 64,337,000 | 64,509,000 |
| Noninterest-bearing deposits | 13,575,000 | 13,575,000 | 14,057,000 | 15,764,000 |
| Equity capital | 8,867,000 | 8,983,000 | 9,002,000 | 8,954,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,003,000 | 2,017,000 | 3,037,000 | 4,161,000 |
| Interest expense | 100,000 | 212,000 | 325,000 | 444,000 |
| Net interest income | 903,000 | 1,805,000 | 2,712,000 | 3,717,000 |
| Noninterest income | 52,000 | 98,000 | 147,000 | 195,000 |
| Noninterest expense | 763,000 | 1,499,000 | 2,263,000 | 3,042,000 |
| Provision for loan losses | 23,000 | 92,000 | 143,000 | 173,000 |
| Pretax income | 169,000 | 312,000 | 453,000 | 697,000 |
| Income tax | 66,000 | 121,000 | 177,000 | 273,000 |
| Net income | 103,000 | 191,000 | 276,000 | 424,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,184,000 | 9,310,000 | 9,346,000 | 9,494,000 |
| Total capital | 9,735,000 | 9,694,000 | 9,768,000 | 9,945,000 |
| Risk-weighted assets | 59,262,000 | 57,946,000 | 58,693,000 | 57,411,000 |