Call reports 2012
MILLBURY SAVINGS BANK — 2012
What MILLBURY SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 206,172,000 | 206,299,000 | 206,709,000 | 217,159,000 |
| Total loans | 119,519,000 | 117,826,000 | 117,278,000 | 121,860,000 |
| Allowance for loan losses | 1,089,000 | 1,010,000 | 1,090,000 | 1,153,000 |
| Securities available for sale | 49,150,000 | 51,772,000 | 54,751,000 | 55,049,000 |
| Securities held to maturity | 3,028,000 | 3,029,000 | 3,030,000 | 3,032,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 167,392,000 | 167,336,000 | 167,239,000 | 175,430,000 |
| Interest-bearing deposits | 155,009,000 | 155,557,000 | 155,636,000 | 161,556,000 |
| Noninterest-bearing deposits | 12,383,000 | 11,779,000 | 11,603,000 | 13,874,000 |
| Equity capital | 22,271,000 | 22,397,000 | 22,778,000 | 22,869,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,006,000 | 3,944,000 | 5,878,000 | 7,769,000 |
| Interest expense | 471,000 | 896,000 | 1,307,000 | 1,707,000 |
| Net interest income | 1,535,000 | 3,048,000 | 4,571,000 | 6,062,000 |
| Noninterest income | 129,000 | 270,000 | 478,000 | 686,000 |
| Noninterest expense | 1,333,000 | 2,667,000 | 3,993,000 | 5,375,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 306,000 | 658,000 | 1,008,000 | 1,267,000 |
| Income tax | 100,000 | 218,000 | 338,000 | 423,000 |
| Net income | 206,000 | 440,000 | 670,000 | 844,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,522,000 | 21,757,000 | 21,985,000 | 22,161,000 |
| Total capital | 22,778,000 | 22,894,000 | 23,239,000 | 23,470,000 |
| Risk-weighted assets | 114,241,000 | 115,299,000 | 116,847,000 | 124,543,000 |