Call reports 2004
MILTON SAVINGS BANK — 2004
What MILTON SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 18,019,000 | 18,248,000 | 18,758,000 | 18,071,000 |
| Total loans | 11,501,000 | 11,554,000 | 11,024,000 | 11,301,000 |
| Allowance for loan losses | 91,000 | 94,000 | 91,000 | 92,000 |
| Securities available for sale | 3,231,000 | 3,654,000 | 3,443,000 | 3,394,000 |
| Securities held to maturity | 36,000 | 35,000 | 34,000 | 34,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,776,000 | 16,039,000 | 16,507,000 | 15,818,000 |
| Interest-bearing deposits | 15,453,000 | 15,702,000 | 16,150,000 | 15,402,000 |
| Noninterest-bearing deposits | 323,000 | 337,000 | 357,000 | 416,000 |
| Equity capital | 1,764,000 | 1,732,000 | 1,766,000 | 1,818,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 249,000 | 494,000 | 743,000 | 987,000 |
| Interest expense | 77,000 | 150,000 | 224,000 | 292,000 |
| Net interest income | 172,000 | 344,000 | 519,000 | 695,000 |
| Noninterest income | 19,000 | 40,000 | 54,000 | 73,000 |
| Noninterest expense | 186,000 | 351,000 | 526,000 | 697,000 |
| Provision for loan losses | 1,000 | 1,000 | 1,000 | 2,000 |
| Pretax income | 4,000 | 32,000 | 65,000 | 89,000 |
| Income tax | 1,000 | 10,000 | 20,000 | 28,000 |
| Net income | 3,000 | 22,000 | 45,000 | 61,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,620,000 | 1,639,000 | 1,662,000 | 1,678,000 |
| Total capital | 1,789,000 | 1,814,000 | 1,815,000 | 1,866,000 |
| Risk-weighted assets | 9,642,000 | 9,928,000 | 9,662,000 | 9,928,000 |