Call reports 2023
MILLBURY NATIONAL BANK — 2023
What MILLBURY NATIONAL BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 114,038,000 | 116,318,000 | 117,030,000 | 119,423,000 |
| Total loans | 80,257,000 | 82,757,000 | 82,862,000 | 86,387,000 |
| Allowance for loan losses | 603,000 | 605,000 | 608,000 | 609,000 |
| Securities available for sale | 21,516,000 | 20,065,000 | 21,098,000 | 19,098,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,854,000 | 98,320,000 | 99,213,000 | 97,841,000 |
| Interest-bearing deposits | 71,593,000 | 72,267,000 | 73,674,000 | 71,652,000 |
| Noninterest-bearing deposits | 25,261,000 | 26,053,000 | 25,539,000 | 26,189,000 |
| Equity capital | 10,078,000 | 10,046,000 | 9,982,000 | 10,663,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,450,000 | 3,134,000 | 4,853,000 | 6,671,000 |
| Interest expense | 309,000 | 767,000 | 1,395,000 | 2,114,000 |
| Net interest income | 1,141,000 | 2,367,000 | 3,458,000 | 4,557,000 |
| Noninterest income | 39,000 | 78,000 | 124,000 | 173,000 |
| Noninterest expense | 1,053,000 | 2,110,000 | 3,160,000 | 4,209,000 |
| Provision for loan losses | 8,000 | 11,000 | 15,000 | 15,000 |
| Pretax income | 119,000 | 286,000 | 369,000 | 468,000 |
| Income tax | 24,000 | 73,000 | 97,000 | 127,000 |
| Net income | 95,000 | 213,000 | 272,000 | 341,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,535,000 | 11,652,000 | 11,648,000 | 11,726,000 |
| Total capital | 12,145,000 | 12,265,000 | 12,264,000 | 12,343,000 |
| Risk-weighted assets | 75,472,000 | 75,946,000 | 75,620,000 | 77,885,000 |