Call reports 2001
MILLBURY SAVINGS BANK — 2001
What MILLBURY SAVINGS BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 121,688,000 | 124,736,000 | 126,327,000 | 127,264,000 |
| Total loans | 73,015,000 | 73,820,000 | 75,580,000 | 75,784,000 |
| Allowance for loan losses | 412,000 | 478,000 | 493,000 | 507,000 |
| Securities available for sale | 15,834,000 | 7,797,000 | 11,007,000 | 36,087,000 |
| Securities held to maturity | 2,241,000 | 2,083,000 | 1,991,000 | 1,926,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,052,000 | 100,965,000 | 102,255,000 | 102,984,000 |
| Interest-bearing deposits | 92,795,000 | 94,731,000 | 96,249,000 | 96,870,000 |
| Noninterest-bearing deposits | 5,257,000 | 6,234,000 | 6,006,000 | 6,114,000 |
| Equity capital | 12,629,000 | 12,780,000 | 13,039,000 | 13,167,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 2,044,000 | 4,004,000 | 5,917,000 | 7,788,000 |
| Interest expense | 1,058,000 | 2,081,000 | 3,081,000 | 3,996,000 |
| Net interest income | 986,000 | 1,923,000 | 2,836,000 | 3,792,000 |
| Noninterest income | 75,000 | 169,000 | 263,000 | 358,000 |
| Noninterest expense | 727,000 | 1,460,000 | 2,183,000 | 2,876,000 |
| Provision for loan losses | 15,000 | 81,000 | 96,000 | 111,000 |
| Pretax income | 319,000 | 551,000 | 820,000 | 1,172,000 |
| Income tax | 112,000 | 190,000 | 284,000 | 410,000 |
| Net income | 207,000 | 361,000 | 536,000 | 762,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,537,000 | 12,691,000 | 12,866,000 | 13,092,000 |
| Total capital | 12,969,000 | 13,188,000 | 13,383,000 | 13,618,000 |
| Risk-weighted assets | 64,851,000 | 65,777,000 | 69,995,000 | 83,288,000 |