Call reports 2003
MILLBURY SAVINGS BANK — 2003
What MILLBURY SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 144,720,000 | 151,695,000 | 158,262,000 | 161,987,000 |
| Total loans | 80,864,000 | 75,819,000 | 77,709,000 | 79,713,000 |
| Allowance for loan losses | 636,000 | 652,000 | 667,000 | 682,000 |
| Securities available for sale | 52,675,000 | 59,956,000 | 70,707,000 | 70,945,000 |
| Securities held to maturity | 1,798,000 | 1,770,000 | 1,229,000 | 698,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,222,000 | 120,983,000 | 127,301,000 | 132,051,000 |
| Interest-bearing deposits | 107,691,000 | 113,261,000 | 119,156,000 | 122,982,000 |
| Noninterest-bearing deposits | 7,531,000 | 7,722,000 | 8,145,000 | 9,069,000 |
| Equity capital | 15,613,000 | 16,355,000 | 16,579,000 | 16,798,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,891,000 | 3,753,000 | 5,598,000 | 7,511,000 |
| Interest expense | 697,000 | 1,396,000 | 2,067,000 | 2,731,000 |
| Net interest income | 1,194,000 | 2,357,000 | 3,531,000 | 4,780,000 |
| Noninterest income | 116,000 | 242,000 | 330,000 | 419,000 |
| Noninterest expense | 803,000 | 1,657,000 | 2,499,000 | 3,419,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 651,000 | 1,103,000 | 1,508,000 | 1,964,000 |
| Income tax | 243,000 | 405,000 | 548,000 | 709,000 |
| Net income | 408,000 | 698,000 | 960,000 | 1,255,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,745,000 | 15,053,000 | 15,315,000 | 15,610,000 |
| Total capital | 15,381,000 | 15,728,000 | 15,995,000 | 16,372,000 |
| Risk-weighted assets | 98,596,000 | 102,585,000 | 101,987,000 | 99,671,000 |