Call reports 2022
MILLBURY NATIONAL BANK — 2022
What MILLBURY NATIONAL BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 114,924,000 | 114,038,000 | 115,183,000 | 114,230,000 |
| Total loans | 76,485,000 | 77,771,000 | 77,749,000 | 78,783,000 |
| Allowance for loan losses | 591,000 | 595,000 | 597,000 | 595,000 |
| Securities available for sale | 19,962,000 | 21,937,000 | 21,390,000 | 21,692,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,423,000 | 101,569,000 | 101,594,000 | 99,056,000 |
| Interest-bearing deposits | 77,007,000 | 74,870,000 | 71,592,000 | 69,095,000 |
| Noninterest-bearing deposits | 25,416,000 | 26,699,000 | 30,002,000 | 29,961,000 |
| Equity capital | 9,796,000 | 9,635,000 | 9,497,000 | 9,867,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,172,000 | 2,371,000 | 3,640,000 | 5,151,000 |
| Interest expense | 89,000 | 176,000 | 288,000 | 435,000 |
| Net interest income | 1,083,000 | 2,195,000 | 3,352,000 | 4,716,000 |
| Noninterest income | 51,000 | 177,000 | 459,000 | 505,000 |
| Noninterest expense | 897,000 | 1,855,000 | 2,842,000 | 3,838,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 234,000 | 511,000 | 960,000 | 1,253,000 |
| Income tax | 68,000 | 148,000 | 276,000 | 362,000 |
| Net income | 166,000 | 363,000 | 684,000 | 891,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,892,000 | 11,089,000 | 11,350,000 | 11,481,000 |
| Total capital | 11,493,000 | 11,693,000 | 11,954,000 | 12,083,000 |
| Risk-weighted assets | 72,519,000 | 73,339,000 | 74,970,000 | 74,791,000 |