Call reports 2012
MILLVILLE SAVINGS BANK — 2012
What MILLVILLE SAVINGS 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 | 150,185,000 | 153,132,000 | 154,195,000 | 154,134,000 |
| Total loans | 36,998,000 | 35,350,000 | 35,156,000 | 35,135,000 |
| Allowance for loan losses | 1,381,000 | 1,436,000 | 1,395,000 | 1,533,000 |
| Securities available for sale | 87,093,000 | 90,586,000 | 93,733,000 | 89,783,000 |
| Securities held to maturity | 558,000 | 518,000 | 474,000 | 426,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,925,000 | 135,451,000 | 136,159,000 | 136,250,000 |
| Interest-bearing deposits | 126,957,000 | 128,584,000 | 130,419,000 | 130,348,000 |
| Noninterest-bearing deposits | 5,968,000 | 6,867,000 | 5,740,000 | 5,902,000 |
| Equity capital | 16,477,000 | 16,909,000 | 17,192,000 | 17,111,000 |
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 | 1,111,000 | 2,214,000 | 3,321,000 | 4,369,000 |
| Interest expense | 445,000 | 883,000 | 1,319,000 | 1,712,000 |
| Net interest income | 666,000 | 1,331,000 | 2,002,000 | 2,657,000 |
| Noninterest income | 68,000 | 182,000 | 168,000 | 247,000 |
| Noninterest expense | 604,000 | 1,164,000 | 1,738,000 | 2,292,000 |
| Provision for loan losses | 25,000 | 160,000 | 175,000 | 356,000 |
| Pretax income | 122,000 | 206,000 | 274,000 | 359,000 |
| Income tax | 10,000 | 18,000 | 20,000 | 27,000 |
| Net income | 112,000 | 188,000 | 254,000 | 332,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,657,000 | 15,733,000 | 15,799,000 | 15,877,000 |
| Total capital | 16,235,000 | 16,307,000 | 16,417,000 | 16,509,000 |
| Risk-weighted assets | 48,355,000 | 48,919,000 | 51,986,000 | 53,898,000 |