Call reports 2005
MILFORD NATIONAL BANK AND TRUST COMPANY THE — 2005
What MILFORD NATIONAL BANK AND TRUST COMPANY THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 314,512,000 | 313,042,000 | 331,388,000 | 332,545,000 |
| Total loans | 228,965,000 | 239,004,000 | 250,250,000 | 261,276,000 |
| Allowance for loan losses | 1,832,000 | 2,608,000 | 2,812,000 | 3,045,000 |
| Securities available for sale | 58,804,000 | 51,699,000 | 54,673,000 | 47,999,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 250,612,000 | 249,151,000 | 267,614,000 | 256,688,000 |
| Interest-bearing deposits | 233,512,000 | 230,397,000 | 245,735,000 | 242,634,000 |
| Noninterest-bearing deposits | 17,100,000 | 18,754,000 | 21,879,000 | 14,054,000 |
| Equity capital | 22,199,000 | 21,982,000 | 21,882,000 | 22,435,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,979,000 | 8,198,000 | 12,686,000 | 17,337,000 |
| Interest expense | 1,194,000 | 2,535,000 | 3,998,000 | 5,639,000 |
| Net interest income | 2,785,000 | 5,663,000 | 8,688,000 | 11,698,000 |
| Noninterest income | 627,000 | 1,752,000 | 2,987,000 | 4,363,000 |
| Noninterest expense | 2,933,000 | 6,172,000 | 9,175,000 | 12,135,000 |
| Provision for loan losses | 1,119,000 | 2,640,000 | 3,155,000 | 3,419,000 |
| Pretax income | -640,000 | -1,382,000 | -640,000 | 522,000 |
| Income tax | -285,000 | -592,000 | -309,000 | 160,000 |
| Net income | -355,000 | -790,000 | -331,000 | 362,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,718,000 | 22,236,000 | 22,446,000 | 23,085,000 |
| Total capital | 25,089,000 | 24,825,000 | 25,228,000 | 25,891,000 |
| Risk-weighted assets | 204,890,000 | 206,524,000 | 222,078,000 | 223,771,000 |
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