Call reports 2017
MILLBURY SAVINGS BANK — 2017
What MILLBURY SAVINGS BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 227,306,000 | 229,091,000 | 237,853,000 | 232,684,000 |
| Total loans | 165,480,000 | 171,656,000 | 176,410,000 | 174,772,000 |
| Allowance for loan losses | 1,594,000 | 1,655,000 | 1,687,000 | 1,708,000 |
| Securities available for sale | 39,433,000 | 35,319,000 | 36,130,000 | 36,351,000 |
| Securities held to maturity | 1,011,000 | 1,000,000 | 1,000,000 | 1,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 183,466,000 | 184,783,000 | 191,038,000 | 193,218,000 |
| Interest-bearing deposits | 161,202,000 | 161,097,000 | 164,963,000 | 165,111,000 |
| Noninterest-bearing deposits | 22,264,000 | 23,686,000 | 26,075,000 | 28,107,000 |
| Equity capital | 26,415,000 | 26,786,000 | 27,180,000 | 27,063,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 2,113,000 | 4,313,000 | 6,620,000 | 9,093,000 |
| Interest expense | 277,000 | 567,000 | 875,000 | 1,165,000 |
| Net interest income | 1,836,000 | 3,746,000 | 5,745,000 | 7,928,000 |
| Noninterest income | 194,000 | 394,000 | 590,000 | 790,000 |
| Noninterest expense | 1,530,000 | 3,090,000 | 4,672,000 | 6,344,000 |
| Provision for loan losses | 30,000 | 90,000 | 120,000 | 150,000 |
| Pretax income | 470,000 | 1,015,000 | 1,598,000 | 2,279,000 |
| Income tax | 168,000 | 363,000 | 575,000 | 1,224,000 |
| Net income | 302,000 | 652,000 | 1,023,000 | 1,055,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,360,000 | 26,710,000 | 27,081,000 | 27,115,000 |
| Total capital | 28,158,000 | 28,574,000 | 28,980,000 | 29,056,000 |
| Risk-weighted assets | 171,737,000 | 177,166,000 | 180,587,000 | 176,731,000 |