Call reports 2008
MILFORD NATIONAL BANK AND TRUST COMPANY THE — 2008
What MILFORD NATIONAL BANK AND TRUST COMPANY THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 327,484,000 | 325,428,000 | 323,431,000 | 317,266,000 |
| Total loans | 261,989,000 | 263,477,000 | 266,451,000 | 262,475,000 |
| Allowance for loan losses | 3,222,000 | 3,213,000 | 3,271,000 | 3,108,000 |
| Securities available for sale | 6,489,000 | 7,700,000 | 5,091,000 | 5,784,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 36,488,000 | 33,866,000 | 31,395,000 | 28,743,000 |
| Total deposits | 266,241,000 | 257,961,000 | 254,174,000 | 244,739,000 |
| Interest-bearing deposits | 256,623,000 | 251,065,000 | 243,354,000 | 238,955,000 |
| Noninterest-bearing deposits | 9,618,000 | 6,896,000 | 10,821,000 | 5,784,000 |
| Equity capital | 22,937,000 | 22,904,000 | 21,368,000 | 22,224,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,630,000 | 8,919,000 | 13,317,000 | 17,437,000 |
| Interest expense | 2,072,000 | 3,731,000 | 5,310,000 | 6,756,000 |
| Net interest income | 2,558,000 | 5,188,000 | 8,007,000 | 10,681,000 |
| Noninterest income | 662,000 | 1,609,000 | 2,632,000 | 2,252,000 |
| Noninterest expense | 3,507,000 | 7,037,000 | 10,579,000 | 13,999,000 |
| Provision for loan losses | 113,000 | 138,000 | 251,000 | 218,000 |
| Pretax income | -400,000 | -378,000 | -2,839,000 | -3,932,000 |
| Income tax | -172,000 | -164,000 | -1,080,000 | -1,482,000 |
| Net income | -228,000 | -214,000 | -1,759,000 | -2,450,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,907,000 | 22,904,000 | 21,368,000 | 22,224,000 |
| Total capital | 25,698,000 | 25,774,000 | 24,240,000 | 25,035,000 |
| Risk-weighted assets | 222,637,000 | 228,294,000 | 229,102,000 | 224,266,000 |
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