Call reports 2019
MILLBURY SAVINGS BANK — 2019
What MILLBURY SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 |
|---|---|---|---|
| Total assets | 224,871,000 | 223,817,000 | 221,173,000 |
| Total loans | 173,030,000 | 176,442,000 | 172,941,000 |
| Allowance for loan losses | 1,728,000 | 1,728,000 | 1,727,000 |
| Securities available for sale | 32,608,000 | 30,233,000 | 28,779,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 188,864,000 | 182,918,000 | 180,251,000 |
| Interest-bearing deposits | 158,172,000 | 153,284,000 | 152,447,000 |
| Noninterest-bearing deposits | 30,692,000 | 29,634,000 | 27,804,000 |
| Equity capital | 28,966,000 | 29,590,000 | 30,095,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 |
|---|---|---|---|
| Interest income | 2,423,000 | 4,925,000 | 7,475,000 |
| Interest expense | 317,000 | 675,000 | 1,046,000 |
| Net interest income | 2,106,000 | 4,250,000 | 6,429,000 |
| Noninterest income | 137,000 | 297,000 | 480,000 |
| Noninterest expense | 1,879,000 | 3,695,000 | 5,487,000 |
| Provision for loan losses | 0 | 0 | 0 |
| Pretax income | 364,000 | 852,000 | 1,422,000 |
| Income tax | 93,000 | 221,000 | 371,000 |
| Net income | 271,000 | 631,000 | 1,051,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 |
|---|---|---|---|
| Tier 1 capital | 29,230,000 | 29,589,000 | 29,989,000 |
| Total capital | 30,958,000 | 31,317,000 | 31,716,000 |
| Risk-weighted assets | 176,562,000 | 184,198,000 | 183,455,000 |