Call reports 2012
MILFORD FEDERAL BANK — 2012
What MILFORD FEDERAL BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 349,687,000 | 349,030,000 | 347,826,000 | 348,567,000 |
| Total loans | 276,469,000 | 275,542,000 | 270,214,000 | 260,319,000 |
| Allowance for loan losses | 1,162,000 | 1,170,000 | 1,187,000 | 1,215,000 |
| Securities available for sale | 25,901,000 | 21,226,000 | 24,753,000 | 26,784,000 |
| Securities held to maturity | 823,000 | 745,000 | 672,000 | 597,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 307,489,000 | 306,438,000 | 304,004,000 | 304,916,000 |
| Interest-bearing deposits | 288,071,000 | 290,323,000 | 285,506,000 | 289,271,000 |
| Noninterest-bearing deposits | 19,418,000 | 16,115,000 | 18,498,000 | 15,645,000 |
| Equity capital | 39,362,000 | 39,717,000 | 40,510,000 | 41,200,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,854,000 | 5,682,000 | 8,499,000 | 11,120,000 |
| Interest expense | 491,000 | 966,000 | 1,423,000 | 1,853,000 |
| Net interest income | 2,363,000 | 4,716,000 | 7,076,000 | 9,267,000 |
| Noninterest income | 1,851,000 | 3,053,000 | 4,894,000 | 7,611,000 |
| Noninterest expense | 2,969,000 | 5,979,000 | 9,010,000 | 12,533,000 |
| Provision for loan losses | 127,000 | 154,000 | 181,000 | 208,000 |
| Pretax income | 1,118,000 | 1,636,000 | 2,779,000 | 4,251,000 |
| Income tax | 439,000 | 639,000 | 1,089,000 | 1,625,000 |
| Net income | 679,000 | 997,000 | 1,690,000 | 2,626,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,723,000 | 39,078,000 | 39,897,000 | 40,841,000 |
| Total capital | 39,922,000 | 40,284,000 | 41,126,000 | 42,072,000 |
| Risk-weighted assets | 197,730,000 | 196,559,000 | 192,332,000 | 184,520,000 |