Call reports 2014
MILLVILLE SAVINGS BANK — 2014
What MILLVILLE SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 149,268,000 | 149,223,000 | 146,438,000 | 144,272,000 |
| Total loans | 36,255,000 | 36,228,000 | 36,017,000 | 42,423,000 |
| Allowance for loan losses | 1,753,000 | 1,748,000 | 1,748,000 | 1,534,000 |
| Securities available for sale | 78,563,000 | 77,474,000 | 75,446,000 | 74,198,000 |
| Securities held to maturity | 227,000 | 198,000 | 178,000 | 159,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,915,000 | 132,016,000 | 129,188,000 | 126,524,000 |
| Interest-bearing deposits | 125,725,000 | 125,145,000 | 122,118,000 | 118,088,000 |
| Noninterest-bearing deposits | 7,190,000 | 6,871,000 | 7,070,000 | 8,436,000 |
| Equity capital | 15,326,000 | 16,157,000 | 16,216,000 | 16,815,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,044,000 | 2,040,000 | 3,003,000 | 3,975,000 |
| Interest expense | 318,000 | 622,000 | 909,000 | 1,145,000 |
| Net interest income | 726,000 | 1,418,000 | 2,094,000 | 2,830,000 |
| Noninterest income | 72,000 | 158,000 | 235,000 | 417,000 |
| Noninterest expense | 595,000 | 1,188,000 | 1,989,000 | 2,783,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 203,000 | 388,000 | 340,000 | 464,000 |
| Income tax | 14,000 | 21,000 | 21,000 | 21,000 |
| Net income | 189,000 | 367,000 | 319,000 | 443,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,405,000 | 16,186,000 | 16,050,000 | 16,265,000 |
| Total capital | 17,106,000 | 16,890,000 | 16,759,000 | 16,970,000 |
| Risk-weighted assets | 55,021,000 | 55,259,000 | 55,695,000 | 57,107,000 |