Call reports 2004
MILLBURY SAVINGS BANK — 2004
What MILLBURY SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 161,068,000 | 160,935,000 | 161,972,000 | 160,522,000 |
| Total loans | 82,638,000 | 84,755,000 | 90,481,000 | 93,988,000 |
| Allowance for loan losses | 697,000 | 712,000 | 725,000 | 740,000 |
| Securities available for sale | 66,931,000 | 66,423,000 | 59,237,000 | 54,085,000 |
| Securities held to maturity | 693,000 | 670,000 | 625,000 | 614,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,790,000 | 130,842,000 | 130,746,000 | 128,877,000 |
| Interest-bearing deposits | 121,605,000 | 119,722,000 | 119,804,000 | 118,420,000 |
| Noninterest-bearing deposits | 9,185,000 | 11,120,000 | 10,942,000 | 10,457,000 |
| Equity capital | 17,179,000 | 16,741,000 | 17,188,000 | 17,341,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,929,000 | 3,818,000 | 5,762,000 | 7,756,000 |
| Interest expense | 627,000 | 1,234,000 | 1,843,000 | 2,453,000 |
| Net interest income | 1,302,000 | 2,584,000 | 3,919,000 | 5,303,000 |
| Noninterest income | 89,000 | 264,000 | 349,000 | 444,000 |
| Noninterest expense | 956,000 | 1,893,000 | 2,942,000 | 3,958,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 520,000 | 1,070,000 | 1,496,000 | 1,985,000 |
| Income tax | 187,000 | 388,000 | 538,000 | 720,000 |
| Net income | 333,000 | 682,000 | 958,000 | 1,265,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,943,000 | 16,292,000 | 16,568,000 | 16,875,000 |
| Total capital | 16,721,000 | 17,084,000 | 17,364,000 | 17,750,000 |
| Risk-weighted assets | 104,883,000 | 104,295,000 | 103,671,000 | 104,644,000 |