Call reports 2005
MILLBURY SAVINGS BANK — 2005
What MILLBURY SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 168,776,000 | 168,874,000 | 170,223,000 | 169,487,000 |
| Total loans | 96,386,000 | 99,194,000 | 101,487,000 | 105,297,000 |
| Allowance for loan losses | 757,000 | 774,000 | 785,000 | 803,000 |
| Securities available for sale | 50,342,000 | 52,164,000 | 50,515,000 | 48,671,000 |
| Securities held to maturity | 595,000 | 82,000 | 59,000 | 49,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,732,000 | 137,344,000 | 138,514,000 | 136,620,000 |
| Interest-bearing deposits | 121,723,000 | 122,670,000 | 124,840,000 | 123,023,000 |
| Noninterest-bearing deposits | 15,009,000 | 14,674,000 | 13,674,000 | 13,597,000 |
| Equity capital | 17,177,000 | 17,619,000 | 17,672,000 | 17,704,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,034,000 | 4,192,000 | 6,406,000 | 8,659,000 |
| Interest expense | 624,000 | 1,365,000 | 2,151,000 | 2,994,000 |
| Net interest income | 1,410,000 | 2,827,000 | 4,255,000 | 5,665,000 |
| Noninterest income | 82,000 | 170,000 | 264,000 | 353,000 |
| Noninterest expense | 971,000 | 1,979,000 | 2,982,000 | 4,103,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 72,000 |
| Pretax income | 617,000 | 990,000 | 1,507,000 | 1,872,000 |
| Income tax | 233,000 | 364,000 | 553,000 | 681,000 |
| Net income | 384,000 | 626,000 | 954,000 | 1,191,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,259,000 | 17,501,000 | 17,828,000 | 18,065,000 |
| Total capital | 18,094,000 | 18,349,000 | 18,695,000 | 18,944,000 |
| Risk-weighted assets | 106,334,000 | 105,855,000 | 106,687,000 | 107,482,000 |