Call reports 2018
MILLBURY SAVINGS BANK — 2018
What MILLBURY SAVINGS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 230,660,000 | 231,487,000 | 224,314,000 | 228,126,000 |
| Total loans | 176,272,000 | 177,179,000 | 176,567,000 | 174,052,000 |
| Allowance for loan losses | 1,739,000 | 1,749,000 | 1,758,000 | 1,719,000 |
| Securities available for sale | 32,880,000 | 34,259,000 | 33,286,000 | 34,472,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 192,570,000 | 190,999,000 | 185,356,000 | 186,891,000 |
| Interest-bearing deposits | 164,780,000 | 161,869,000 | 156,715,000 | 158,186,000 |
| Noninterest-bearing deposits | 27,790,000 | 29,130,000 | 28,641,000 | 28,705,000 |
| Equity capital | 27,027,000 | 27,416,000 | 27,536,000 | 28,414,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 2,318,000 | 4,718,000 | 7,189,000 | 9,699,000 |
| Interest expense | 285,000 | 585,000 | 876,000 | 1,164,000 |
| Net interest income | 2,033,000 | 4,133,000 | 6,313,000 | 8,535,000 |
| Noninterest income | 184,000 | 368,000 | 562,000 | 736,000 |
| Noninterest expense | 1,707,000 | 3,476,000 | 5,162,000 | 6,885,000 |
| Provision for loan losses | 30,000 | 35,000 | 48,000 | 8,000 |
| Pretax income | 480,000 | 990,000 | 1,996,000 | 2,829,000 |
| Income tax | 118,000 | 242,000 | 762,000 | 986,000 |
| Net income | 362,000 | 748,000 | 1,234,000 | 1,843,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,476,000 | 27,863,000 | 28,349,000 | 28,959,000 |
| Total capital | 29,404,000 | 29,798,000 | 30,162,000 | 30,678,000 |
| Risk-weighted assets | 179,758,000 | 175,811,000 | 175,853,000 | 173,319,000 |