Call reports 2006
MILFORD BANK THE — 2006
What MILFORD BANK THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 312,801,000 | 322,137,000 | 322,324,000 | 324,501,000 |
| Total loans | 255,969,000 | 270,179,000 | 274,767,000 | 276,273,000 |
| Allowance for loan losses | 2,308,000 | 2,249,000 | 2,247,000 | 2,245,000 |
| Securities available for sale | 18,848,000 | 13,244,000 | 7,952,000 | 7,657,000 |
| Securities held to maturity | 2,147,000 | 2,108,000 | 1,978,000 | 1,960,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 246,170,000 | 259,753,000 | 257,103,000 | 263,567,000 |
| Interest-bearing deposits | 214,313,000 | 223,490,000 | 223,666,000 | 230,850,000 |
| Noninterest-bearing deposits | 31,857,000 | 36,263,000 | 33,437,000 | 32,717,000 |
| Equity capital | 30,950,000 | 31,414,000 | 32,134,000 | 32,847,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 4,110,000 | 8,421,000 | 12,918,000 | 17,566,000 |
| Interest expense | 1,384,000 | 2,884,000 | 4,548,000 | 6,391,000 |
| Net interest income | 2,726,000 | 5,537,000 | 8,370,000 | 11,175,000 |
| Noninterest income | 392,000 | 799,000 | 1,279,000 | 1,757,000 |
| Noninterest expense | 2,732,000 | 5,314,000 | 7,742,000 | 10,195,000 |
| Provision for loan losses | -133,000 | -182,000 | -178,000 | -354,000 |
| Pretax income | 519,000 | 1,204,000 | 2,085,000 | 3,091,000 |
| Income tax | 154,000 | 364,000 | 641,000 | 960,000 |
| Net income | 365,000 | 840,000 | 1,444,000 | 2,131,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,102,000 | 31,582,000 | 32,187,000 | 32,877,000 |
| Total capital | 33,630,000 | 34,236,000 | 34,895,000 | 35,620,000 |
| Risk-weighted assets | 201,968,000 | 212,198,000 | 216,605,000 | 220,485,000 |