Call reports 2020
MILLBURY NATIONAL BANK — 2020
What MILLBURY NATIONAL BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 99,483,000 | 101,225,000 | 101,509,000 | 99,236,000 |
| Total loans | 71,998,000 | 72,037,000 | 70,460,000 | 68,454,000 |
| Allowance for loan losses | 568,000 | 596,000 | 619,000 | 624,000 |
| Securities available for sale | 15,846,000 | 15,253,000 | 14,734,000 | 15,757,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,815,000 | 88,372,000 | 88,508,000 | 86,373,000 |
| Interest-bearing deposits | 68,033,000 | 64,901,000 | 63,752,000 | 65,141,000 |
| Noninterest-bearing deposits | 18,782,000 | 23,471,000 | 24,756,000 | 21,232,000 |
| Equity capital | 9,401,000 | 9,492,000 | 9,519,000 | 9,903,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,264,000 | 2,457,000 | 3,611,000 | 4,719,000 |
| Interest expense | 280,000 | 522,000 | 709,000 | 867,000 |
| Net interest income | 984,000 | 1,935,000 | 2,902,000 | 3,852,000 |
| Noninterest income | 65,000 | 97,000 | 129,000 | 189,000 |
| Noninterest expense | 947,000 | 1,757,000 | 2,607,000 | 3,423,000 |
| Provision for loan losses | 52,000 | 90,000 | 102,000 | 102,000 |
| Pretax income | 51,000 | 243,000 | 379,000 | 574,000 |
| Income tax | 14,000 | 68,000 | 106,000 | 161,000 |
| Net income | 37,000 | 175,000 | 273,000 | 413,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,131,000 | 10,270,000 | 10,311,000 | 10,489,000 |
| Total capital | 10,708,000 | 10,883,000 | 10,941,000 | 11,125,000 |
| Risk-weighted assets | 66,511,000 | 67,146,000 | 66,287,000 | 64,838,000 |