Call reports 2014
MILLBURY SAVINGS BANK — 2014
What MILLBURY SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 198,685,000 | 204,841,000 | 202,977,000 | 204,969,000 |
| Total loans | 123,299,000 | 126,278,000 | 129,565,000 | 132,680,000 |
| Allowance for loan losses | 1,205,000 | 1,247,000 | 1,309,000 | 1,332,000 |
| Securities available for sale | 50,668,000 | 49,370,000 | 48,822,000 | 46,945,000 |
| Securities held to maturity | 1,029,000 | 1,028,000 | 1,027,000 | 1,026,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 157,564,000 | 158,851,000 | 156,791,000 | 158,515,000 |
| Interest-bearing deposits | 143,340,000 | 143,506,000 | 141,744,000 | 142,260,000 |
| Noninterest-bearing deposits | 14,224,000 | 15,345,000 | 15,047,000 | 16,255,000 |
| Equity capital | 23,500,000 | 23,818,000 | 23,895,000 | 24,160,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,730,000 | 3,511,000 | 5,330,000 | 7,138,000 |
| Interest expense | 274,000 | 545,000 | 819,000 | 1,096,000 |
| Net interest income | 1,456,000 | 2,966,000 | 4,511,000 | 6,042,000 |
| Noninterest income | 180,000 | 316,000 | 530,000 | 698,000 |
| Noninterest expense | 1,389,000 | 2,771,000 | 4,215,000 | 5,659,000 |
| Provision for loan losses | 30,000 | 70,000 | 130,000 | 180,000 |
| Pretax income | 217,000 | 588,000 | 858,000 | 1,091,000 |
| Income tax | 58,000 | 172,000 | 252,000 | 338,000 |
| Net income | 159,000 | 416,000 | 606,000 | 753,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,302,000 | 23,559,000 | 23,749,000 | 23,896,000 |
| Total capital | 24,790,000 | 25,077,000 | 25,312,000 | 25,501,000 |
| Risk-weighted assets | 131,815,000 | 130,333,000 | 133,896,000 | 138,498,000 |