Call reports 2008
MILFORD BANK THE — 2008
What MILFORD BANK THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 339,809,000 | 351,142,000 | 358,854,000 | 348,844,000 |
| Total loans | 298,616,000 | 301,897,000 | 303,952,000 | 308,678,000 |
| Allowance for loan losses | 2,361,000 | 2,576,000 | 2,682,000 | 2,764,000 |
| Securities available for sale | 4,505,000 | 3,597,000 | 2,398,000 | 2,314,000 |
| Securities held to maturity | 1,846,000 | 1,827,000 | 1,814,000 | 1,770,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 269,622,000 | 280,230,000 | 277,067,000 | 276,826,000 |
| Interest-bearing deposits | 237,333,000 | 245,205,000 | 241,571,000 | 241,433,000 |
| Noninterest-bearing deposits | 32,289,000 | 35,025,000 | 35,496,000 | 35,393,000 |
| Equity capital | 34,839,000 | 35,038,000 | 35,499,000 | 34,227,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,660,000 | 9,252,000 | 13,844,000 | 18,328,000 |
| Interest expense | 1,874,000 | 3,497,000 | 4,998,000 | 6,445,000 |
| Net interest income | 2,786,000 | 5,755,000 | 8,846,000 | 11,883,000 |
| Noninterest income | 449,000 | 902,000 | 1,552,000 | 2,059,000 |
| Noninterest expense | 2,662,000 | 5,443,000 | 8,228,000 | 10,848,000 |
| Provision for loan losses | 70,000 | 291,000 | 416,000 | 650,000 |
| Pretax income | 503,000 | 923,000 | 1,754,000 | 2,444,000 |
| Income tax | 144,000 | 260,000 | 513,000 | 719,000 |
| Net income | 359,000 | 663,000 | 1,241,000 | 1,725,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,849,000 | 35,154,000 | 35,734,000 | 36,205,000 |
| Total capital | 37,488,000 | 38,007,000 | 38,718,000 | 39,260,000 |
| Risk-weighted assets | 242,081,000 | 247,282,000 | 252,908,000 | 253,547,000 |
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