Call reports 2009
MILTON SAVINGS BANK — 2009
What MILTON SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 17,341,000 | 17,746,000 | 16,966,000 | 17,159,000 |
| Total loans | 13,322,000 | 13,598,000 | 13,410,000 | 13,234,000 |
| Allowance for loan losses | 142,000 | 180,000 | 160,000 | 108,000 |
| Securities available for sale | 888,000 | 1,414,000 | 1,521,000 | 1,633,000 |
| Securities held to maturity | 20,000 | 20,000 | 19,000 | 18,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,930,000 | 16,336,000 | 15,468,000 | 15,895,000 |
| Interest-bearing deposits | 15,562,000 | 15,948,000 | 15,095,000 | 15,489,000 |
| Noninterest-bearing deposits | 368,000 | 388,000 | 373,000 | 406,000 |
| Equity capital | 1,309,000 | 1,299,000 | 1,210,000 | 1,193,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 216,000 | 430,000 | 717,000 | 865,000 |
| Interest expense | 82,000 | 156,000 | 227,000 | 284,000 |
| Net interest income | 134,000 | 274,000 | 490,000 | 581,000 |
| Noninterest income | 18,000 | 55,000 | 72,000 | 92,000 |
| Noninterest expense | 198,000 | 399,000 | 626,000 | 759,000 |
| Provision for loan losses | 5,000 | 46,000 | 121,000 | 121,000 |
| Pretax income | -51,000 | -116,000 | -185,000 | -207,000 |
| Income tax | -22,000 | -45,000 | -5,000 | -5,000 |
| Net income | -29,000 | -71,000 | -180,000 | -202,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,347,000 | 1,299,000 | 1,196,000 | 1,174,000 |
| Total capital | 1,480,000 | 1,438,000 | 1,329,000 | 1,282,000 |
| Risk-weighted assets | 10,633,000 | 11,090,000 | 10,599,000 | 10,985,000 |