Call reports 2016
MILLBURY SAVINGS BANK — 2016
What MILLBURY SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 217,329,000 | 221,813,000 | 224,502,000 | 225,807,000 |
| Total loans | 147,427,000 | 156,585,000 | 158,491,000 | 162,704,000 |
| Allowance for loan losses | 1,479,000 | 1,506,000 | 1,548,000 | 1,562,000 |
| Securities available for sale | 42,497,000 | 39,386,000 | 38,614,000 | 39,524,000 |
| Securities held to maturity | 1,019,000 | 1,018,000 | 1,017,000 | 1,015,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 171,873,000 | 177,286,000 | 179,225,000 | 181,798,000 |
| Interest-bearing deposits | 151,631,000 | 153,390,000 | 156,973,000 | 158,323,000 |
| Noninterest-bearing deposits | 20,242,000 | 23,896,000 | 22,252,000 | 23,475,000 |
| Equity capital | 25,541,000 | 25,992,000 | 26,177,000 | 26,068,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,947,000 | 3,967,000 | 6,051,000 | 8,125,000 |
| Interest expense | 279,000 | 567,000 | 860,000 | 1,151,000 |
| Net interest income | 1,668,000 | 3,400,000 | 5,191,000 | 6,974,000 |
| Noninterest income | 192,000 | 395,000 | 608,000 | 819,000 |
| Noninterest expense | 1,447,000 | 2,887,000 | 4,410,000 | 5,919,000 |
| Provision for loan losses | 30,000 | 60,000 | 100,000 | 110,000 |
| Pretax income | 383,000 | 848,000 | 1,387,000 | 1,862,000 |
| Income tax | 129,000 | 291,000 | 479,000 | 647,000 |
| Net income | 254,000 | 557,000 | 908,000 | 1,215,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,097,000 | 25,400,000 | 25,751,000 | 26,058,000 |
| Total capital | 26,786,000 | 27,155,000 | 27,485,000 | 27,803,000 |
| Risk-weighted assets | 156,023,000 | 161,159,000 | 165,987,000 | 167,791,000 |