Call reports 2002
MILLBURY SAVINGS BANK — 2002
What MILLBURY SAVINGS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 129,895,000 | 133,767,000 | 134,202,000 | 136,426,000 |
| Total loans | 76,936,000 | 78,245,000 | 79,026,000 | 79,970,000 |
| Allowance for loan losses | 523,000 | 538,000 | 555,000 | 621,000 |
| Securities available for sale | 42,644,000 | 41,696,000 | 45,308,000 | 46,970,000 |
| Securities held to maturity | 1,864,000 | 1,855,000 | 1,841,000 | 1,811,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,734,000 | 108,671,000 | 108,515,000 | 109,959,000 |
| Interest-bearing deposits | 98,981,000 | 101,291,000 | 101,528,000 | 103,693,000 |
| Noninterest-bearing deposits | 6,753,000 | 7,380,000 | 6,987,000 | 6,266,000 |
| Equity capital | 13,114,000 | 14,009,000 | 14,513,000 | 15,080,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,888,000 | 3,859,000 | 5,819,000 | 7,717,000 |
| Interest expense | 840,000 | 1,618,000 | 2,388,000 | 3,129,000 |
| Net interest income | 1,048,000 | 2,241,000 | 3,431,000 | 4,588,000 |
| Noninterest income | 93,000 | 179,000 | 268,000 | 369,000 |
| Noninterest expense | 769,000 | 1,533,000 | 2,300,000 | 3,083,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 110,000 |
| Pretax income | 357,000 | 857,000 | 1,596,000 | 2,010,000 |
| Income tax | 127,000 | 313,000 | 595,000 | 747,000 |
| Net income | 230,000 | 544,000 | 1,001,000 | 1,263,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,322,000 | 13,620,000 | 13,938,000 | 14,336,000 |
| Total capital | 13,873,000 | 14,158,000 | 14,493,000 | 14,957,000 |
| Risk-weighted assets | 88,319,000 | 86,141,000 | 93,951,000 | 95,229,000 |