Call reports 2011
MILLBURY SAVINGS BANK — 2011
What MILLBURY SAVINGS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 202,664,000 | 204,353,000 | 204,626,000 | 205,506,000 |
| Total loans | 118,023,000 | 122,086,000 | 122,947,000 | 121,496,000 |
| Allowance for loan losses | 960,000 | 1,020,000 | 1,084,000 | 1,035,000 |
| Securities available for sale | 55,017,000 | 49,739,000 | 49,173,000 | 49,886,000 |
| Securities held to maturity | 4,527,000 | 4,527,000 | 4,527,000 | 3,026,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 160,399,000 | 161,670,000 | 161,846,000 | 162,380,000 |
| Interest-bearing deposits | 150,311,000 | 150,505,000 | 149,869,000 | 150,807,000 |
| Noninterest-bearing deposits | 10,088,000 | 11,165,000 | 11,977,000 | 11,573,000 |
| Equity capital | 21,292,000 | 21,775,000 | 21,743,000 | 21,981,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,098,000 | 4,220,000 | 6,346,000 | 8,412,000 |
| Interest expense | 612,000 | 1,213,000 | 1,792,000 | 2,319,000 |
| Net interest income | 1,486,000 | 3,007,000 | 4,554,000 | 6,093,000 |
| Noninterest income | 113,000 | 232,000 | 335,000 | 429,000 |
| Noninterest expense | 1,256,000 | 2,459,000 | 3,705,000 | 5,018,000 |
| Provision for loan losses | 60,000 | 120,000 | 160,000 | 200,000 |
| Pretax income | 299,000 | 687,000 | 1,051,000 | 1,398,000 |
| Income tax | 95,000 | 225,000 | 346,000 | 460,000 |
| Net income | 204,000 | 462,000 | 705,000 | 938,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,583,000 | 20,840,000 | 21,082,000 | 21,316,000 |
| Total capital | 21,646,000 | 21,993,000 | 22,167,000 | 22,429,000 |
| Risk-weighted assets | 120,424,000 | 125,225,000 | 124,613,000 | 117,498,000 |