Call reports 2005
MILTON SAVINGS BANK — 2005
What MILTON SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 17,570,000 | 18,758,000 | 17,596,000 | 18,129,000 |
| Total loans | 11,456,000 | 12,012,000 | 12,259,000 | 12,811,000 |
| Allowance for loan losses | 93,000 | 93,000 | 92,000 | 90,000 |
| Securities available for sale | 3,275,000 | 3,077,000 | 2,464,000 | 2,009,000 |
| Securities held to maturity | 33,000 | 32,000 | 32,000 | 31,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,747,000 | 16,901,000 | 15,791,000 | 16,342,000 |
| Interest-bearing deposits | 15,330,000 | 16,392,000 | 15,462,000 | 15,951,000 |
| Noninterest-bearing deposits | 417,000 | 509,000 | 329,000 | 391,000 |
| Equity capital | 1,699,000 | 1,714,000 | 1,677,000 | 1,658,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 241,000 | 487,000 | 736,000 | 979,000 |
| Interest expense | 67,000 | 135,000 | 209,000 | 287,000 |
| Net interest income | 174,000 | 352,000 | 527,000 | 692,000 |
| Noninterest income | 26,000 | 48,000 | 67,000 | 85,000 |
| Noninterest expense | 183,000 | 359,000 | 561,000 | 749,000 |
| Provision for loan losses | 1,000 | 1,000 | 2,000 | 3,000 |
| Pretax income | 17,000 | 51,000 | -5,000 | 3,000 |
| Income tax | 5,000 | 16,000 | -4,000 | -1,000 |
| Net income | 12,000 | 35,000 | -1,000 | 4,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,690,000 | 1,713,000 | 1,677,000 | 1,683,000 |
| Total capital | 1,820,000 | 1,826,000 | 1,778,000 | 1,773,000 |
| Risk-weighted assets | 9,505,000 | 9,668,000 | 9,467,000 | 9,628,000 |