Call reports 2003
MILTON SAVINGS BANK — 2003
What MILTON SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 18,076,000 | 18,495,000 | 18,005,000 | 18,167,000 |
| Total loans | 11,872,000 | 11,137,000 | 11,010,000 | 11,473,000 |
| Allowance for loan losses | 101,000 | 96,000 | 96,000 | 94,000 |
| Securities available for sale | 2,768,000 | 3,192,000 | 3,594,000 | 3,641,000 |
| Securities held to maturity | 38,000 | 37,000 | 37,000 | 36,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,896,000 | 16,260,000 | 15,799,000 | 15,964,000 |
| Interest-bearing deposits | 15,546,000 | 15,630,000 | 15,536,000 | 15,642,000 |
| Noninterest-bearing deposits | 350,000 | 630,000 | 263,000 | 322,000 |
| Equity capital | 1,671,000 | 1,687,000 | 1,693,000 | 1,736,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 256,000 | 508,000 | 751,000 | 998,000 |
| Interest expense | 91,000 | 178,000 | 261,000 | 340,000 |
| Net interest income | 165,000 | 330,000 | 490,000 | 658,000 |
| Noninterest income | 18,000 | 37,000 | 59,000 | 80,000 |
| Noninterest expense | 163,000 | 333,000 | 496,000 | 674,000 |
| Provision for loan losses | 0 | 0 | 0 | 1,000 |
| Pretax income | 20,000 | 34,000 | 53,000 | 63,000 |
| Income tax | 6,000 | 10,000 | 17,000 | 19,000 |
| Net income | 14,000 | 24,000 | 36,000 | 44,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,587,000 | 1,597,000 | 1,609,000 | 1,617,000 |
| Total capital | 1,742,000 | 1,737,000 | 1,759,000 | 1,789,000 |
| Risk-weighted assets | 9,218,000 | 9,420,000 | 9,462,000 | 9,706,000 |