Call reports 2005
MILFORD BANK THE — 2005
What MILFORD BANK THE 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 | 316,383,000 | 315,479,000 | 310,570,000 | 308,449,000 |
| Total loans | 240,516,000 | 238,269,000 | 244,806,000 | 249,545,000 |
| Allowance for loan losses | 2,169,000 | 2,358,000 | 2,491,000 | 2,447,000 |
| Securities available for sale | 28,940,000 | 28,323,000 | 25,657,000 | 23,060,000 |
| Securities held to maturity | 1,555,000 | 2,244,000 | 2,225,000 | 2,187,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 242,801,000 | 244,433,000 | 238,315,000 | 244,567,000 |
| Interest-bearing deposits | 213,389,000 | 211,405,000 | 205,669,000 | 212,218,000 |
| Noninterest-bearing deposits | 29,412,000 | 33,028,000 | 32,646,000 | 32,349,000 |
| Equity capital | 28,607,000 | 29,073,000 | 29,504,000 | 30,625,000 |
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 | 3,891,000 | 7,790,000 | 11,654,000 | 15,716,000 |
| Interest expense | 1,071,000 | 2,205,000 | 3,385,000 | 4,696,000 |
| Net interest income | 2,820,000 | 5,585,000 | 8,269,000 | 11,020,000 |
| Noninterest income | 401,000 | 795,000 | 1,282,000 | 1,648,000 |
| Noninterest expense | 2,813,000 | 5,243,000 | 7,590,000 | 10,226,000 |
| Provision for loan losses | -246,000 | -134,000 | 8,000 | -29,000 |
| Pretax income | 654,000 | 1,271,000 | 1,953,000 | 2,471,000 |
| Income tax | 206,000 | 394,000 | 601,000 | 754,000 |
| Net income | 448,000 | 877,000 | 1,352,000 | 1,717,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,644,000 | 29,101,000 | 29,557,000 | 30,734,000 |
| Total capital | 31,045,000 | 31,511,000 | 32,019,000 | 33,215,000 |
| Risk-weighted assets | 191,768,000 | 192,421,000 | 196,599,000 | 198,185,000 |