Call reports 2015
MILLBURY SAVINGS BANK — 2015
What MILLBURY SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 205,315,000 | 206,467,000 | 207,048,000 | 213,278,000 |
| Total loans | 133,906,000 | 135,788,000 | 139,256,000 | 143,050,000 |
| Allowance for loan losses | 1,373,000 | 1,354,000 | 1,396,000 | 1,448,000 |
| Securities available for sale | 44,473,000 | 44,636,000 | 43,240,000 | 41,866,000 |
| Securities held to maturity | 1,024,000 | 1,023,000 | 1,022,000 | 1,021,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 158,619,000 | 162,027,000 | 162,175,000 | 168,244,000 |
| Interest-bearing deposits | 141,902,000 | 144,302,000 | 144,735,000 | 149,214,000 |
| Noninterest-bearing deposits | 16,717,000 | 17,725,000 | 17,440,000 | 19,030,000 |
| Equity capital | 24,515,000 | 24,602,000 | 24,858,000 | 24,956,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,815,000 | 3,646,000 | 5,503,000 | 7,434,000 |
| Interest expense | 268,000 | 537,000 | 811,000 | 1,085,000 |
| Net interest income | 1,547,000 | 3,109,000 | 4,692,000 | 6,349,000 |
| Noninterest income | 200,000 | 405,000 | 606,000 | 810,000 |
| Noninterest expense | 1,438,000 | 2,842,000 | 4,246,000 | 5,698,000 |
| Provision for loan losses | 30,000 | 30,000 | 55,000 | 100,000 |
| Pretax income | 305,000 | 697,000 | 1,059,000 | 1,419,000 |
| Income tax | 97,000 | 230,000 | 351,000 | 471,000 |
| Net income | 208,000 | 467,000 | 708,000 | 948,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,991,000 | 24,362,000 | 24,604,000 | 24,843,000 |
| Total capital | 26,592,000 | 25,901,000 | 26,126,000 | 26,473,000 |
| Risk-weighted assets | 141,198,000 | 151,364,000 | 155,490,000 | 154,854,000 |