Call reports 2006
MILLBURY SAVINGS BANK — 2006
What MILLBURY SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 174,580,000 | 174,186,000 | 173,030,000 | 172,500,000 |
| Total loans | 110,109,000 | 111,618,000 | 114,338,000 | 117,338,000 |
| Allowance for loan losses | 822,000 | 839,000 | 858,000 | 874,000 |
| Securities available for sale | 48,395,000 | 44,204,000 | 43,457,000 | 38,432,000 |
| Securities held to maturity | 48,000 | 36,000 | 35,000 | 28,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,519,000 | 140,379,000 | 135,734,000 | 133,363,000 |
| Interest-bearing deposits | 128,286,000 | 126,037,000 | 122,444,000 | 123,135,000 |
| Noninterest-bearing deposits | 11,233,000 | 14,342,000 | 13,290,000 | 10,228,000 |
| Equity capital | 17,991,000 | 18,291,000 | 19,062,000 | 19,655,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,306,000 | 4,736,000 | 7,198,000 | 9,692,000 |
| Interest expense | 936,000 | 1,948,000 | 3,006,000 | 4,169,000 |
| Net interest income | 1,370,000 | 2,788,000 | 4,192,000 | 5,523,000 |
| Noninterest income | 84,000 | 178,000 | 276,000 | 379,000 |
| Noninterest expense | 1,046,000 | 2,078,000 | 3,175,000 | 4,362,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 72,000 |
| Pretax income | 442,000 | 851,000 | 1,169,000 | 1,339,000 |
| Income tax | 149,000 | 286,000 | 383,000 | 159,000 |
| Net income | 293,000 | 565,000 | 786,000 | 1,180,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,358,000 | 18,632,000 | 18,852,000 | 19,246,000 |
| Total capital | 19,268,000 | 19,592,000 | 19,905,000 | 20,349,000 |
| Risk-weighted assets | 112,200,000 | 111,039,000 | 116,675,000 | 110,539,000 |