Call reports 2004
MILFORD BANK THE — 2004
What MILFORD BANK THE 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 | 316,350,000 | 334,680,000 | 333,353,000 | 326,620,000 |
| Total loans | 231,477,000 | 242,168,000 | 242,571,000 | 240,816,000 |
| Allowance for loan losses | 2,393,000 | 2,342,000 | 2,464,000 | 2,415,000 |
| Securities available for sale | 46,334,000 | 39,865,000 | 38,813,000 | 32,682,000 |
| Securities held to maturity | 1,792,000 | 1,744,000 | 1,681,000 | 1,622,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 238,150,000 | 256,629,000 | 259,477,000 | 253,475,000 |
| Interest-bearing deposits | 194,024,000 | 199,937,000 | 211,746,000 | 219,677,000 |
| Noninterest-bearing deposits | 44,126,000 | 56,692,000 | 47,731,000 | 33,798,000 |
| Equity capital | 27,724,000 | 27,520,000 | 28,189,000 | 28,380,000 |
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 | 3,790,000 | 7,588,000 | 11,496,000 | 15,430,000 |
| Interest expense | 955,000 | 1,913,000 | 2,953,000 | 4,008,000 |
| Net interest income | 2,835,000 | 5,675,000 | 8,543,000 | 11,422,000 |
| Noninterest income | 344,000 | 613,000 | 1,075,000 | 1,461,000 |
| Noninterest expense | 2,361,000 | 4,732,000 | 7,168,000 | 9,783,000 |
| Provision for loan losses | 15,000 | 30,000 | -33,000 | -75,000 |
| Pretax income | 803,000 | 1,526,000 | 2,483,000 | 3,175,000 |
| Income tax | 274,000 | 518,000 | 829,000 | 1,049,000 |
| Net income | 529,000 | 1,008,000 | 1,654,000 | 2,126,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,628,000 | 27,115,000 | 27,764,000 | 28,192,000 |
| Total capital | 28,921,000 | 29,562,000 | 30,271,000 | 30,619,000 |
| Risk-weighted assets | 183,107,000 | 195,612,000 | 200,313,000 | 193,890,000 |