Call reports 2020
MILLVILLE SAVINGS BANK — 2020
What MILLVILLE SAVINGS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 133,297,000 | 142,182,000 | 143,272,000 | 145,402,000 |
| Total loans | 52,935,000 | 51,814,000 | 52,498,000 | 52,594,000 |
| Allowance for loan losses | 1,639,000 | 1,649,000 | 1,727,000 | 1,729,000 |
| Securities available for sale | 56,545,000 | 64,391,000 | 67,278,000 | 71,618,000 |
| Securities held to maturity | 1,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,778,000 | 121,361,000 | 122,310,000 | 124,317,000 |
| Interest-bearing deposits | 101,845,000 | 107,061,000 | 107,547,000 | 108,545,000 |
| Noninterest-bearing deposits | 11,933,000 | 14,300,000 | 14,763,000 | 15,772,000 |
| Equity capital | 18,980,000 | 20,282,000 | 20,477,000 | 20,595,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,040,000 | 1,994,000 | 2,997,000 | 3,934,000 |
| Interest expense | 112,000 | 222,000 | 322,000 | 403,000 |
| Net interest income | 928,000 | 1,772,000 | 2,675,000 | 3,531,000 |
| Noninterest income | 53,000 | 101,000 | 152,000 | 204,000 |
| Noninterest expense | 826,000 | 1,624,000 | 2,387,000 | 3,204,000 |
| Provision for loan losses | 55,000 | 65,000 | 66,000 | 66,000 |
| Pretax income | 121,000 | 220,000 | 435,000 | 632,000 |
| Income tax | 22,000 | 39,000 | 72,000 | 146,000 |
| Net income | 99,000 | 181,000 | 363,000 | 486,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,048,000 | 19,131,000 | 19,313,000 | 19,436,000 |
| Total capital | 19,920,000 | 20,012,000 | 20,202,000 | 20,335,000 |
| Risk-weighted assets | 69,036,000 | 69,780,000 | 70,325,000 | 71,163,000 |