Call reports 2007
MILLBURY SAVINGS BANK — 2007
What MILLBURY SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 180,784,000 | 183,584,000 | 184,759,000 | 186,643,000 |
| Total loans | 117,483,000 | 116,991,000 | 119,484,000 | 121,606,000 |
| Allowance for loan losses | 873,000 | 870,000 | 867,000 | 879,000 |
| Securities available for sale | 38,614,000 | 46,688,000 | 48,247,000 | 49,938,000 |
| Securities held to maturity | 25,000 | 25,000 | 24,000 | 24,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 140,258,000 | 143,146,000 | 141,653,000 | 139,679,000 |
| Interest-bearing deposits | 129,963,000 | 131,860,000 | 131,653,000 | 130,707,000 |
| Noninterest-bearing deposits | 10,295,000 | 11,286,000 | 10,000,000 | 8,972,000 |
| Equity capital | 19,943,000 | 19,795,000 | 20,414,000 | 20,733,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,516,000 | 5,117,000 | 7,848,000 | 10,629,000 |
| Interest expense | 1,232,000 | 2,573,000 | 3,986,000 | 5,406,000 |
| Net interest income | 1,284,000 | 2,544,000 | 3,862,000 | 5,223,000 |
| Noninterest income | 85,000 | 177,000 | 267,000 | 369,000 |
| Noninterest expense | 1,092,000 | 2,236,000 | 3,334,000 | 4,518,000 |
| Provision for loan losses | 0 | 0 | 0 | 12,000 |
| Pretax income | 295,000 | 581,000 | 947,000 | 1,235,000 |
| Income tax | 82,000 | 175,000 | 295,000 | 382,000 |
| Net income | 213,000 | 406,000 | 652,000 | 853,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,459,000 | 19,652,000 | 19,898,000 | 20,099,000 |
| Total capital | 20,565,000 | 20,751,000 | 20,956,000 | 21,169,000 |
| Risk-weighted assets | 110,810,000 | 112,877,000 | 113,706,000 | 122,718,000 |