Call reports 2019
MILLVILLE SAVINGS BANK — 2019
What MILLVILLE SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 131,105,000 | 132,066,000 | 130,871,000 | 132,495,000 |
| Total loans | 53,486,000 | 52,050,000 | 54,624,000 | 53,269,000 |
| Allowance for loan losses | 1,585,000 | 1,586,000 | 1,585,000 | 1,584,000 |
| Securities available for sale | 58,595,000 | 58,154,000 | 54,902,000 | 55,249,000 |
| Securities held to maturity | 9,000 | 6,000 | 4,000 | 2,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,607,000 | 112,672,000 | 111,223,000 | 112,730,000 |
| Interest-bearing deposits | 100,952,000 | 100,869,000 | 99,574,000 | 100,299,000 |
| Noninterest-bearing deposits | 11,655,000 | 11,803,000 | 11,649,000 | 12,431,000 |
| Equity capital | 17,940,000 | 18,793,000 | 19,049,000 | 19,138,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,087,000 | 2,161,000 | 3,265,000 | 4,308,000 |
| Interest expense | 102,000 | 210,000 | 322,000 | 436,000 |
| Net interest income | 985,000 | 1,951,000 | 2,943,000 | 3,872,000 |
| Noninterest income | 51,000 | 101,000 | 153,000 | 208,000 |
| Noninterest expense | 793,000 | 1,662,000 | 2,531,000 | 3,375,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 243,000 | 404,000 | 590,000 | 723,000 |
| Income tax | 82,000 | 117,000 | 145,000 | 192,000 |
| Net income | 161,000 | 287,000 | 445,000 | 531,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,580,000 | 18,705,000 | 18,864,000 | 18,950,000 |
| Total capital | 19,456,000 | 19,526,000 | 19,708,000 | 19,765,000 |
| Risk-weighted assets | 69,426,000 | 64,922,000 | 66,847,000 | 64,453,000 |