Call reports 2019
MILLBURY NATIONAL BANK — 2019
What MILLBURY NATIONAL BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 93,563,000 | 97,379,000 | 95,833,000 | 100,523,000 |
| Total loans | 65,604,000 | 71,626,000 | 72,686,000 | 74,437,000 |
| Allowance for loan losses | 444,000 | 418,000 | 466,000 | 518,000 |
| Securities available for sale | 15,830,000 | 14,966,000 | 13,518,000 | 14,495,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,583,000 | 86,053,000 | 83,355,000 | 88,949,000 |
| Interest-bearing deposits | 60,177,000 | 65,716,000 | 65,646,000 | 70,946,000 |
| Noninterest-bearing deposits | 21,406,000 | 20,337,000 | 17,709,000 | 18,003,000 |
| Equity capital | 9,226,000 | 9,446,000 | 9,491,000 | 9,632,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,083,000 | 2,324,000 | 3,584,000 | 4,906,000 |
| Interest expense | 199,000 | 453,000 | 722,000 | 1,003,000 |
| Net interest income | 884,000 | 1,871,000 | 2,862,000 | 3,903,000 |
| Noninterest income | 52,000 | 109,000 | 179,000 | 257,000 |
| Noninterest expense | 816,000 | 1,646,000 | 2,500,000 | 3,350,000 |
| Provision for loan losses | 9,000 | 55,000 | 105,000 | 158,000 |
| Pretax income | 111,000 | 279,000 | 437,000 | 653,000 |
| Income tax | 31,000 | 78,000 | 126,000 | 187,000 |
| Net income | 80,000 | 201,000 | 311,000 | 466,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,846,000 | 9,939,000 | 9,998,000 | 10,154,000 |
| Total capital | 10,296,000 | 10,363,000 | 10,470,000 | 10,679,000 |
| Risk-weighted assets | 63,961,000 | 66,199,000 | 68,939,000 | 69,428,000 |