Call reports 2008
MILTON SAVINGS BANK — 2008
What MILTON SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 17,755,000 | 17,474,000 | 17,310,000 | 17,908,000 |
| Total loans | 12,028,000 | 12,725,000 | 12,979,000 | 13,023,000 |
| Allowance for loan losses | 85,000 | 73,000 | 82,000 | 142,000 |
| Securities available for sale | 596,000 | 368,000 | 657,000 | 843,000 |
| Securities held to maturity | 23,000 | 22,000 | 22,000 | 22,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,117,000 | 15,850,000 | 15,754,000 | 16,408,000 |
| Interest-bearing deposits | 15,699,000 | 15,480,000 | 15,256,000 | 15,965,000 |
| Noninterest-bearing deposits | 418,000 | 370,000 | 498,000 | 443,000 |
| Equity capital | 1,513,000 | 1,482,000 | 1,428,000 | 1,363,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 214,000 | 431,000 | 633,000 | 850,000 |
| Interest expense | 111,000 | 212,000 | 309,000 | 401,000 |
| Net interest income | 103,000 | 219,000 | 324,000 | 449,000 |
| Noninterest income | 24,000 | 52,000 | 74,000 | 93,000 |
| Noninterest expense | 187,000 | 366,000 | 543,000 | 733,000 |
| Provision for loan losses | 0 | 0 | 7,000 | 60,000 |
| Pretax income | -60,000 | -95,000 | -152,000 | -251,000 |
| Income tax | -18,000 | -29,000 | -38,000 | -73,000 |
| Net income | -42,000 | -66,000 | -114,000 | -178,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,512,000 | 1,482,000 | 1,441,000 | 1,376,000 |
| Total capital | 1,597,000 | 1,555,000 | 1,523,000 | 1,506,000 |
| Risk-weighted assets | 9,181,000 | 9,775,000 | 9,921,000 | 10,422,000 |