Call reports 2015
MILLVILLE SAVINGS BANK — 2015
What MILLVILLE SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 142,918,000 | 141,374,000 | 137,457,000 | 137,622,000 |
| Total loans | 42,079,000 | 41,815,000 | 41,228,000 | 41,364,000 |
| Allowance for loan losses | 1,549,000 | 1,522,000 | 1,616,000 | 1,603,000 |
| Securities available for sale | 72,387,000 | 69,279,000 | 66,043,000 | 65,751,000 |
| Securities held to maturity | 144,000 | 126,000 | 115,000 | 104,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,826,000 | 123,926,000 | 118,916,000 | 119,497,000 |
| Interest-bearing deposits | 116,226,000 | 115,249,000 | 110,780,000 | 110,259,000 |
| Noninterest-bearing deposits | 8,600,000 | 8,677,000 | 8,136,000 | 9,238,000 |
| Equity capital | 17,216,000 | 16,608,000 | 17,322,000 | 17,330,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 988,000 | 1,961,000 | 2,894,000 | 3,843,000 |
| Interest expense | 176,000 | 331,000 | 476,000 | 605,000 |
| Net interest income | 812,000 | 1,630,000 | 2,418,000 | 3,238,000 |
| Noninterest income | 126,000 | 223,000 | 296,000 | 388,000 |
| Noninterest expense | 889,000 | 1,587,000 | 2,254,000 | 2,973,000 |
| Provision for loan losses | 17,000 | 17,000 | 0 | 0 |
| Pretax income | 32,000 | 249,000 | 462,000 | 655,000 |
| Income tax | 3,000 | 25,000 | 40,000 | 50,000 |
| Net income | 29,000 | 224,000 | 422,000 | 605,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,690,000 | 16,884,000 | 17,082,000 | 17,265,000 |
| Total capital | 17,461,000 | 17,666,000 | 17,788,000 | 17,968,000 |
| Risk-weighted assets | 60,915,000 | 61,857,000 | 55,572,000 | 55,392,000 |