Call reports 2013
MILLBURY SAVINGS BANK — 2013
What MILLBURY SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 205,942,000 | 204,376,000 | 201,243,000 | 199,209,000 |
| Total loans | 122,335,000 | 120,414,000 | 119,346,000 | 121,558,000 |
| Allowance for loan losses | 1,134,000 | 1,196,000 | 1,238,000 | 1,225,000 |
| Securities available for sale | 59,013,000 | 55,070,000 | 52,594,000 | 50,730,000 |
| Securities held to maturity | 2,033,000 | 2,033,000 | 2,033,000 | 1,030,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,816,000 | 164,067,000 | 159,227,000 | 158,606,000 |
| Interest-bearing deposits | 151,867,000 | 148,564,000 | 144,266,000 | 144,131,000 |
| Noninterest-bearing deposits | 13,949,000 | 15,503,000 | 14,961,000 | 14,475,000 |
| Equity capital | 23,163,000 | 22,940,000 | 23,007,000 | 23,170,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,877,000 | 3,719,000 | 5,528,000 | 7,285,000 |
| Interest expense | 360,000 | 688,000 | 1,008,000 | 1,319,000 |
| Net interest income | 1,517,000 | 3,031,000 | 4,520,000 | 5,966,000 |
| Noninterest income | 106,000 | 429,000 | 682,000 | 877,000 |
| Noninterest expense | 1,341,000 | 2,672,000 | 4,054,000 | 5,496,000 |
| Provision for loan losses | 20,000 | 80,000 | 130,000 | 140,000 |
| Pretax income | 317,000 | 830,000 | 1,198,000 | 1,452,000 |
| Income tax | 108,000 | 288,000 | 402,000 | 470,000 |
| Net income | 209,000 | 542,000 | 796,000 | 982,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,369,000 | 22,703,000 | 22,957,000 | 23,143,000 |
| Total capital | 23,755,000 | 24,122,000 | 24,414,000 | 24,622,000 |
| Risk-weighted assets | 117,995,000 | 120,881,000 | 120,549,000 | 120,747,000 |