Call reports 2014
MILTON SAVINGS BANK — 2014
What MILTON SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 67,825,000 | 68,292,000 | 66,064,000 | 64,705,000 |
| Total loans | 43,501,000 | 43,143,000 | 42,881,000 | 42,302,000 |
| Allowance for loan losses | 705,000 | 705,000 | 710,000 | 710,000 |
| Securities available for sale | 11,721,000 | 11,052,000 | 11,095,000 | 10,693,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,801,000 | 55,196,000 | 52,638,000 | 51,024,000 |
| Interest-bearing deposits | 52,768,000 | 53,139,000 | 50,165,000 | 49,048,000 |
| Noninterest-bearing deposits | 2,033,000 | 2,057,000 | 2,473,000 | 1,976,000 |
| Equity capital | 12,861,000 | 13,016,000 | 13,148,000 | 13,338,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 673,000 | 1,340,000 | 1,994,000 | 2,673,000 |
| Interest expense | 113,000 | 217,000 | 310,000 | 396,000 |
| Net interest income | 560,000 | 1,123,000 | 1,684,000 | 2,277,000 |
| Noninterest income | 13,000 | 19,000 | 26,000 | 23,000 |
| Noninterest expense | 330,000 | 681,000 | 1,036,000 | 1,478,000 |
| Provision for loan losses | 0 | 0 | 15,000 | 15,000 |
| Pretax income | 243,000 | 461,000 | 659,000 | 807,000 |
| Income tax | 94,000 | 178,000 | 255,000 | 225,000 |
| Net income | 149,000 | 283,000 | 404,000 | 582,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,878,000 | 13,012,000 | 13,133,000 | 13,304,000 |
| Total capital | 13,219,000 | 13,367,000 | 13,479,000 | 13,643,000 |
| Risk-weighted assets | 27,799,000 | 28,041,000 | 27,287,000 | 26,730,000 |