Call reports 2009
MILLBURY SAVINGS BANK — 2009
What MILLBURY SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 195,536,000 | 192,194,000 | 195,796,000 | 202,843,000 |
| Total loans | 124,970,000 | 120,640,000 | 119,839,000 | 120,248,000 |
| Allowance for loan losses | 978,000 | 955,000 | 981,000 | 990,000 |
| Securities available for sale | 31,434,000 | 33,348,000 | 36,930,000 | 40,261,000 |
| Securities held to maturity | 9,809,000 | 9,389,000 | 7,808,000 | 7,856,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,061,000 | 147,260,000 | 151,959,000 | 159,845,000 |
| Interest-bearing deposits | 138,315,000 | 138,130,000 | 143,212,000 | 150,276,000 |
| Noninterest-bearing deposits | 8,746,000 | 9,130,000 | 8,747,000 | 9,569,000 |
| Equity capital | 19,586,000 | 19,894,000 | 20,024,000 | 20,159,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,507,000 | 4,946,000 | 7,288,000 | 9,611,000 |
| Interest expense | 1,026,000 | 2,027,000 | 2,942,000 | 3,796,000 |
| Net interest income | 1,481,000 | 2,919,000 | 4,346,000 | 5,815,000 |
| Noninterest income | 103,000 | 203,000 | 326,000 | 345,000 |
| Noninterest expense | 1,277,000 | 2,538,000 | 3,734,000 | 4,990,000 |
| Provision for loan losses | 40,000 | 135,000 | 180,000 | 195,000 |
| Pretax income | 342,000 | 705,000 | 277,000 | 525,000 |
| Income tax | 102,000 | 215,000 | 57,000 | 129,000 |
| Net income | 240,000 | 490,000 | 220,000 | 396,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,121,000 | 19,669,000 | 19,324,000 | 19,579,000 |
| Total capital | 20,099,000 | 20,624,000 | 20,305,000 | 20,569,000 |
| Risk-weighted assets | 117,978,000 | 116,699,000 | 113,169,000 | 116,458,000 |