Call reports 2008
MILLBURY SAVINGS BANK — 2008
What MILLBURY SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 188,923,000 | 189,460,000 | 193,680,000 | 191,410,000 |
| Total loans | 122,841,000 | 125,274,000 | 127,343,000 | 127,677,000 |
| Allowance for loan losses | 897,000 | 915,000 | 922,000 | 938,000 |
| Securities available for sale | 46,925,000 | 43,351,000 | 30,716,000 | 33,693,000 |
| Securities held to maturity | 23,000 | 23,000 | 9,630,000 | 9,723,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,570,000 | 140,986,000 | 148,748,000 | 143,339,000 |
| Interest-bearing deposits | 127,127,000 | 130,620,000 | 138,565,000 | 134,119,000 |
| Noninterest-bearing deposits | 9,443,000 | 10,366,000 | 10,183,000 | 9,220,000 |
| Equity capital | 20,727,000 | 20,398,000 | 18,764,000 | 19,343,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,729,000 | 5,408,000 | 8,072,000 | 10,685,000 |
| Interest expense | 1,372,000 | 2,626,000 | 3,843,000 | 4,993,000 |
| Net interest income | 1,357,000 | 2,782,000 | 4,229,000 | 5,692,000 |
| Noninterest income | 94,000 | 191,000 | 290,000 | 397,000 |
| Noninterest expense | 1,133,000 | 2,243,000 | 3,235,000 | 4,393,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 72,000 |
| Pretax income | 313,000 | 804,000 | -1,682,000 | -1,422,000 |
| Income tax | 95,000 | 251,000 | -602,000 | -525,000 |
| Net income | 218,000 | 553,000 | -1,080,000 | -897,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,317,000 | 20,652,000 | 19,019,000 | 19,123,000 |
| Total capital | 21,328,000 | 21,679,000 | 19,962,000 | 20,061,000 |
| Risk-weighted assets | 118,910,000 | 119,354,000 | 120,936,000 | 119,212,000 |