Call reports 2021
MILTON SAVINGS BANK — 2021
What MILTON SAVINGS BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 73,526,000 | 72,210,000 | 73,106,000 | 73,702,000 |
| Total loans | 39,652,000 | 38,922,000 | 40,292,000 | 39,527,000 |
| Allowance for loan losses | 711,000 | 711,000 | 734,000 | 731,000 |
| Securities available for sale | 10,916,000 | 9,779,000 | 12,753,000 | 20,808,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,991,000 | 55,644,000 | 56,628,000 | 57,450,000 |
| Interest-bearing deposits | 51,929,000 | 52,100,000 | 53,616,000 | 54,102,000 |
| Noninterest-bearing deposits | 5,062,000 | 3,544,000 | 3,012,000 | 3,348,000 |
| Equity capital | 16,298,000 | 16,376,000 | 16,273,000 | 15,982,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 534,000 | 1,033,000 | 1,520,000 | 2,027,000 |
| Interest expense | 76,000 | 152,000 | 228,000 | 306,000 |
| Net interest income | 458,000 | 881,000 | 1,292,000 | 1,721,000 |
| Noninterest income | 5,000 | 4,000 | 12,000 | 20,000 |
| Noninterest expense | 444,000 | 948,000 | 1,471,000 | 2,183,000 |
| Provision for loan losses | 0 | 0 | 25,000 | 38,000 |
| Pretax income | 19,000 | -63,000 | -192,000 | -480,000 |
| Income tax | -11,000 | -51,000 | -105,000 | -213,000 |
| Net income | 30,000 | -12,000 | -87,000 | -267,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,215,000 | 16,173,000 | 16,098,000 | 15,917,000 |
| Total capital | 16,541,000 | 16,500,000 | 16,413,000 | 16,254,000 |
| Risk-weighted assets | 25,719,000 | 25,716,000 | 24,767,000 | 26,689,000 |