Call reports 2017
MILLVILLE SAVINGS BANK — 2017
What MILLVILLE SAVINGS BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 136,560,000 | 137,533,000 | 137,354,000 | 132,816,000 |
| Total loans | 38,230,000 | 41,845,000 | 44,232,000 | 45,123,000 |
| Allowance for loan losses | 1,432,000 | 1,535,000 | 1,534,000 | 1,536,000 |
| Securities available for sale | 69,891,000 | 68,699,000 | 64,482,000 | 66,516,000 |
| Securities held to maturity | 55,000 | 49,000 | 40,000 | 34,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,864,000 | 119,316,000 | 118,998,000 | 114,904,000 |
| Interest-bearing deposits | 109,197,000 | 109,301,000 | 108,469,000 | 104,346,000 |
| Noninterest-bearing deposits | 9,667,000 | 10,015,000 | 10,529,000 | 10,558,000 |
| Equity capital | 17,295,000 | 17,897,000 | 17,971,000 | 17,490,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 897,000 | 1,820,000 | 2,782,000 | 3,713,000 |
| Interest expense | 101,000 | 204,000 | 308,000 | 412,000 |
| Net interest income | 796,000 | 1,616,000 | 2,474,000 | 3,301,000 |
| Noninterest income | 118,000 | 188,000 | 236,000 | 300,000 |
| Noninterest expense | 839,000 | 1,487,000 | 2,273,000 | 3,062,000 |
| Provision for loan losses | 0 | 103,000 | 103,000 | 103,000 |
| Pretax income | 75,000 | 214,000 | 334,000 | 436,000 |
| Income tax | 7,000 | 22,000 | -65,000 | 186,000 |
| Net income | 68,000 | 192,000 | 399,000 | 250,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,729,000 | 17,854,000 | 18,060,000 | 17,911,000 |
| Total capital | 18,425,000 | 18,577,000 | 18,778,000 | 18,632,000 |
| Risk-weighted assets | 55,014,000 | 57,035,000 | 56,698,000 | 56,944,000 |