Call reports 2007
MILFORD BANK THE — 2007
What MILFORD BANK THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 330,744,000 | 334,114,000 | 329,157,000 | 331,983,000 |
| Total loans | 276,620,000 | 282,713,000 | 287,266,000 | 291,352,000 |
| Allowance for loan losses | 2,510,000 | 2,432,000 | 2,431,000 | 2,299,000 |
| Securities available for sale | 7,184,000 | 6,815,000 | 6,411,000 | 5,151,000 |
| Securities held to maturity | 1,934,000 | 1,915,000 | 1,879,000 | 1,863,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 268,281,000 | 274,859,000 | 269,384,000 | 269,754,000 |
| Interest-bearing deposits | 35,451,000 | 241,880,000 | 235,348,000 | 237,757,000 |
| Noninterest-bearing deposits | 232,830,000 | 32,979,000 | 34,036,000 | 31,997,000 |
| Equity capital | 33,198,000 | 33,591,000 | 34,139,000 | 34,301,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,606,000 | 9,304,000 | 14,058,000 | 18,858,000 |
| Interest expense | 1,856,000 | 3,721,000 | 5,654,000 | 7,621,000 |
| Net interest income | 2,750,000 | 5,583,000 | 8,404,000 | 11,237,000 |
| Noninterest income | 413,000 | 1,020,000 | 1,357,000 | 1,858,000 |
| Noninterest expense | 2,434,000 | 5,363,000 | 7,749,000 | 10,525,000 |
| Provision for loan losses | 267,000 | 193,000 | 266,000 | 296,000 |
| Pretax income | 462,000 | 1,047,000 | 1,746,000 | 2,274,000 |
| Income tax | 132,000 | 309,000 | 523,000 | 677,000 |
| Net income | 330,000 | 738,000 | 1,223,000 | 1,597,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,210,000 | 33,622,000 | 34,110,000 | 34,484,000 |
| Total capital | 35,967,000 | 36,390,000 | 36,818,000 | 37,060,000 |
| Risk-weighted assets | 225,820,000 | 227,158,000 | 231,983,000 | 235,804,000 |