Call reports 2015
MILTON SAVINGS BANK — 2015
What MILTON SAVINGS BANK 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 | 66,342,000 | 66,987,000 | 65,816,000 | 65,577,000 |
| Total loans | 41,358,000 | 41,052,000 | 42,123,000 | 42,050,000 |
| Allowance for loan losses | 710,000 | 710,000 | 760,000 | 757,000 |
| Securities available for sale | 9,992,000 | 11,186,000 | 10,692,000 | 10,183,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,366,000 | 53,349,000 | 52,013,000 | 51,708,000 |
| Interest-bearing deposits | 50,151,000 | 51,065,000 | 50,123,000 | 49,637,000 |
| Noninterest-bearing deposits | 2,215,000 | 2,284,000 | 1,890,000 | 2,071,000 |
| Equity capital | 13,492,000 | 13,562,000 | 13,682,000 | 13,773,000 |
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 | 637,000 | 1,261,000 | 1,894,000 | 2,516,000 |
| Interest expense | 81,000 | 158,000 | 234,000 | 305,000 |
| Net interest income | 556,000 | 1,103,000 | 1,660,000 | 2,211,000 |
| Noninterest income | 10,000 | 19,000 | 27,000 | 40,000 |
| Noninterest expense | 360,000 | 750,000 | 1,125,000 | 1,551,000 |
| Provision for loan losses | 0 | 0 | 50,000 | 50,000 |
| Pretax income | 206,000 | 372,000 | 519,000 | 657,000 |
| Income tax | 68,000 | 121,000 | 166,000 | 204,000 |
| Net income | 138,000 | 251,000 | 353,000 | 453,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,442,000 | 13,555,000 | 13,657,000 | 13,757,000 |
| Total capital | 13,774,000 | 13,886,000 | 14,002,000 | 14,094,000 |
| Risk-weighted assets | 26,621,000 | 26,125,000 | 27,187,000 | 26,534,000 |