Call reports 2004
MILFORD NATIONAL BANK AND TRUST COMPANY THE — 2004
What MILFORD NATIONAL BANK AND TRUST COMPANY THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 285,221,000 | 307,853,000 | 303,010,000 | 306,501,000 |
| Total loans | 197,648,000 | 204,048,000 | 209,604,000 | 220,860,000 |
| Allowance for loan losses | 2,202,000 | 2,069,000 | 2,130,000 | 1,592,000 |
| Securities available for sale | 71,612,000 | 87,338,000 | 71,225,000 | 65,013,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 225,701,000 | 245,728,000 | 243,354,000 | 246,582,000 |
| Interest-bearing deposits | 209,448,000 | 226,353,000 | 222,080,000 | 228,469,000 |
| Noninterest-bearing deposits | 16,253,000 | 19,375,000 | 21,274,000 | 18,113,000 |
| Equity capital | 19,711,000 | 22,240,000 | 22,937,000 | 23,296,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,647,000 | 7,245,000 | 11,032,000 | 14,877,000 |
| Interest expense | 1,012,000 | 2,054,000 | 3,145,000 | 4,273,000 |
| Net interest income | 2,635,000 | 5,191,000 | 7,887,000 | 10,604,000 |
| Noninterest income | 500,000 | 1,041,000 | 1,532,000 | 2,051,000 |
| Noninterest expense | 2,383,000 | 4,720,000 | 6,977,000 | 9,191,000 |
| Provision for loan losses | -86,000 | -97,000 | -37,000 | 23,000 |
| Pretax income | 838,000 | 1,609,000 | 2,493,000 | 3,502,000 |
| Income tax | 321,000 | 625,000 | 969,000 | 1,365,000 |
| Net income | 517,000 | 984,000 | 1,524,000 | 2,137,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,240,000 | 22,458,000 | 22,740,000 | 23,314,000 |
| Total capital | 21,701,000 | 25,035,000 | 25,237,000 | 25,414,000 |
| Risk-weighted assets | 196,682,000 | 212,306,000 | 199,603,000 | 205,479,000 |
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