Call reports 2023
MILTON SAVINGS BANK — 2023
What MILTON SAVINGS BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 76,849,000 | 74,709,000 | 72,099,000 | 74,487,000 |
| Total loans | 41,634,000 | 41,238,000 | 41,100,000 | 41,993,000 |
| Allowance for loan losses | 333,000 | 400,000 | 397,000 | 402,000 |
| Securities available for sale | 25,880,000 | 25,254,000 | 24,042,000 | 25,374,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,088,000 | 56,362,000 | 54,399,000 | 54,484,000 |
| Interest-bearing deposits | 53,515,000 | 52,050,000 | 50,664,000 | 50,685,000 |
| Noninterest-bearing deposits | 4,573,000 | 4,312,000 | 3,735,000 | 3,799,000 |
| Equity capital | 13,244,000 | 12,962,000 | 12,229,000 | 13,397,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 596,000 | 1,208,000 | 1,828,000 | 2,459,000 |
| Interest expense | 135,000 | 291,000 | 472,000 | 685,000 |
| Net interest income | 461,000 | 917,000 | 1,356,000 | 1,774,000 |
| Noninterest income | 8,000 | 17,000 | 26,000 | 34,000 |
| Noninterest expense | 525,000 | 961,000 | 1,469,000 | 2,043,000 |
| Provision for loan losses | 1,000 | 69,000 | 66,000 | 70,000 |
| Pretax income | -57,000 | -96,000 | -153,000 | -305,000 |
| Income tax | -38,000 | -70,000 | -110,000 | -174,000 |
| Net income | -19,000 | -26,000 | -43,000 | -131,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,146,000 | 16,139,000 | 16,122,000 | 16,034,000 |
| Total capital | 16,479,000 | 16,524,000 | 16,507,000 | 16,424,000 |
| Risk-weighted assets | 30,954,000 | 30,794,000 | 30,822,000 | 31,180,000 |