Call reports 2015
MILFORD NATIONAL BANK AND TRUST COMPANY THE — 2015
What MILFORD NATIONAL BANK AND TRUST COMPANY THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 290,670,000 | 288,648,000 | 295,556,000 | 293,992,000 |
| Total loans | 236,844,000 | 238,107,000 | 242,423,000 | 244,891,000 |
| Allowance for loan losses | 3,753,000 | 3,372,000 | 3,493,000 | 3,378,000 |
| Securities available for sale | 25,951,000 | 24,323,000 | 24,564,000 | 25,572,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 7,600,000 | 7,324,000 | 7,030,000 | 6,647,000 |
| Total deposits | 257,973,000 | 251,991,000 | 263,949,000 | 264,709,000 |
| Interest-bearing deposits | 247,202,000 | 239,593,000 | 252,192,000 | 250,085,000 |
| Noninterest-bearing deposits | 10,771,000 | 12,399,000 | 11,757,000 | 14,624,000 |
| Equity capital | 25,643,000 | 25,791,000 | 26,220,000 | 26,420,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,437,000 | 4,991,000 | 7,689,000 | 10,388,000 |
| Interest expense | 148,000 | 295,000 | 443,000 | 596,000 |
| Net interest income | 2,289,000 | 4,696,000 | 7,246,000 | 9,792,000 |
| Noninterest income | 447,000 | 245,000 | 693,000 | 1,106,000 |
| Noninterest expense | 2,306,000 | 4,597,000 | 6,947,000 | 9,320,000 |
| Provision for loan losses | 42,000 | -351,000 | -226,000 | -201,000 |
| Pretax income | 388,000 | 695,000 | 1,218,000 | 1,779,000 |
| Income tax | 124,000 | 197,000 | 359,000 | 536,000 |
| Net income | 264,000 | 498,000 | 859,000 | 1,243,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,492,000 | 25,702,000 | 26,039,000 | 26,397,000 |
| Total capital | 28,220,000 | 28,493,000 | 28,857,000 | 29,218,000 |
| Risk-weighted assets | 217,093,000 | 222,521,000 | 224,612,000 | 224,840,000 |