Call reports 2016
MILLVILLE SAVINGS BANK — 2016
What MILLVILLE SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 136,849,000 | 138,297,000 | 135,981,000 | 135,198,000 |
| Total loans | 40,854,000 | 39,251,000 | 37,400,000 | 37,480,000 |
| Allowance for loan losses | 1,578,000 | 1,523,000 | 1,433,000 | 1,433,000 |
| Securities available for sale | 70,235,000 | 68,110,000 | 66,251,000 | 70,158,000 |
| Securities held to maturity | 86,000 | 78,000 | 71,000 | 63,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,197,000 | 119,248,000 | 116,879,000 | 117,668,000 |
| Interest-bearing deposits | 109,320,000 | 109,943,000 | 108,125,000 | 108,217,000 |
| Noninterest-bearing deposits | 8,877,000 | 9,305,000 | 8,754,000 | 9,451,000 |
| Equity capital | 17,872,000 | 18,307,000 | 18,304,000 | 17,113,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 956,000 | 1,872,000 | 2,728,000 | 3,574,000 |
| Interest expense | 121,000 | 233,000 | 342,000 | 448,000 |
| Net interest income | 835,000 | 1,639,000 | 2,386,000 | 3,126,000 |
| Noninterest income | 78,000 | 152,000 | 225,000 | 290,000 |
| Noninterest expense | 705,000 | 1,448,000 | 2,201,000 | 2,974,000 |
| Provision for loan losses | 0 | -25,000 | -5,000 | -5,000 |
| Pretax income | 208,000 | 368,000 | 415,000 | 447,000 |
| Income tax | 21,000 | 32,000 | 37,000 | 51,000 |
| Net income | 187,000 | 336,000 | 378,000 | 396,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,451,000 | 17,600,000 | 17,642,000 | 17,661,000 |
| Total capital | 18,150,000 | 18,293,000 | 18,311,000 | 18,342,000 |
| Risk-weighted assets | 55,092,000 | 54,656,000 | 52,765,000 | 53,789,000 |