Call reports 2010
MILLBURY SAVINGS BANK — 2010
What MILLBURY SAVINGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 204,913,000 | 207,262,000 | 202,438,000 | 203,659,000 |
| Total loans | 119,770,000 | 119,485,000 | 119,287,000 | 116,902,000 |
| Allowance for loan losses | 1,035,000 | 1,027,000 | 1,073,000 | 957,000 |
| Securities available for sale | 45,663,000 | 56,391,000 | 56,175,000 | 54,442,000 |
| Securities held to maturity | 6,377,000 | 5,889,000 | 4,528,000 | 4,528,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 161,696,000 | 164,682,000 | 160,326,000 | 161,492,000 |
| Interest-bearing deposits | 152,848,000 | 155,294,000 | 150,455,000 | 151,352,000 |
| Noninterest-bearing deposits | 8,848,000 | 9,388,000 | 9,871,000 | 10,140,000 |
| Equity capital | 20,478,000 | 20,831,000 | 21,227,000 | 21,157,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,277,000 | 4,546,000 | 6,792,000 | 8,953,000 |
| Interest expense | 791,000 | 1,569,000 | 2,272,000 | 2,916,000 |
| Net interest income | 1,486,000 | 2,977,000 | 4,520,000 | 6,037,000 |
| Noninterest income | 153,000 | 279,000 | 402,000 | 552,000 |
| Noninterest expense | 1,256,000 | 2,496,000 | 3,720,000 | 5,020,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 270,000 |
| Pretax income | 357,000 | 688,000 | 931,000 | 1,206,000 |
| Income tax | 123,000 | 238,000 | 330,000 | 426,000 |
| Net income | 234,000 | 450,000 | 601,000 | 780,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,833,000 | 19,966,000 | 20,201,000 | 20,378,000 |
| Total capital | 20,899,000 | 20,993,000 | 21,330,000 | 21,413,000 |
| Risk-weighted assets | 114,289,000 | 124,821,000 | 113,226,000 | 115,203,000 |