Call reports 2012
MILFORD NATIONAL BANK AND TRUST COMPANY THE — 2012
What MILFORD NATIONAL BANK AND TRUST COMPANY THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 271,593,000 | 270,854,000 | 269,067,000 | 272,992,000 |
| Total loans | 210,375,000 | 212,854,000 | 207,318,000 | 214,627,000 |
| Allowance for loan losses | 3,051,000 | 3,229,000 | 3,392,000 | 3,527,000 |
| Securities available for sale | 18,454,000 | 18,068,000 | 17,897,000 | 18,495,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 13,729,000 | 13,282,000 | 12,810,000 | 12,210,000 |
| Total deposits | 242,002,000 | 240,612,000 | 236,103,000 | 240,051,000 |
| Interest-bearing deposits | 231,535,000 | 229,839,000 | 226,149,000 | 229,517,000 |
| Noninterest-bearing deposits | 10,466,000 | 10,773,000 | 9,955,000 | 10,534,000 |
| Equity capital | 23,400,000 | 23,784,000 | 23,735,000 | 23,841,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,676,000 | 5,277,000 | 7,725,000 | 10,266,000 |
| Interest expense | 234,000 | 456,000 | 656,000 | 846,000 |
| Net interest income | 2,442,000 | 4,821,000 | 7,069,000 | 9,420,000 |
| Noninterest income | 259,000 | 819,000 | 1,354,000 | 1,819,000 |
| Noninterest expense | 2,367,000 | 4,513,000 | 6,826,000 | 9,116,000 |
| Provision for loan losses | 200,000 | 400,000 | 600,000 | 853,000 |
| Pretax income | 134,000 | 727,000 | 997,000 | 1,270,000 |
| Income tax | 55,000 | 297,000 | 408,000 | 520,000 |
| Net income | 79,000 | 430,000 | 589,000 | 750,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,358,000 | 23,682,000 | 23,587,000 | 23,722,000 |
| Total capital | 25,669,000 | 26,030,000 | 25,867,000 | 26,077,000 |
| Risk-weighted assets | 184,090,000 | 186,877,000 | 181,225,000 | 187,257,000 |