Call reports 2013
MILLVILLE SAVINGS BANK — 2013
What MILLVILLE SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 155,963,000 | 153,000,000 | 150,979,000 | 150,103,000 |
| Total loans | 37,381,000 | 37,247,000 | 37,374,000 | 37,681,000 |
| Allowance for loan losses | 1,538,000 | 1,561,000 | 1,539,000 | 1,593,000 |
| Securities available for sale | 88,210,000 | 89,484,000 | 83,172,000 | 79,478,000 |
| Securities held to maturity | 377,000 | 336,000 | 285,000 | 254,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,057,000 | 136,542,000 | 135,350,000 | 134,818,000 |
| Interest-bearing deposits | 131,105,000 | 130,067,000 | 128,683,000 | 128,036,000 |
| Noninterest-bearing deposits | 6,952,000 | 6,475,000 | 6,667,000 | 6,782,000 |
| Equity capital | 17,071,000 | 15,544,000 | 14,623,000 | 14,302,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,043,000 | 2,075,000 | 3,083,000 | 4,134,000 |
| Interest expense | 369,000 | 737,000 | 1,086,000 | 1,433,000 |
| Net interest income | 674,000 | 1,338,000 | 1,997,000 | 2,701,000 |
| Noninterest income | 48,000 | 134,000 | 221,000 | 339,000 |
| Noninterest expense | 570,000 | 1,097,000 | 1,750,000 | 2,441,000 |
| Provision for loan losses | 80,000 | 250,000 | 258,000 | 315,000 |
| Pretax income | 72,000 | 152,000 | 237,000 | 311,000 |
| Income tax | 5,000 | 13,000 | 24,000 | 24,000 |
| Net income | 67,000 | 139,000 | 213,000 | 287,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,944,000 | 16,068,000 | 16,143,000 | 16,217,000 |
| Total capital | 16,611,000 | 16,813,000 | 16,868,000 | 16,941,000 |
| Risk-weighted assets | 57,018,000 | 58,079,000 | 57,168,000 | 57,040,000 |