Call reports 2010
MILFORD BANK THE — 2010
What MILFORD BANK THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 372,364,000 | 389,912,000 | 387,262,000 | 377,383,000 |
| Total loans | 305,102,000 | 300,760,000 | 297,385,000 | 297,651,000 |
| Allowance for loan losses | 3,728,000 | 4,605,000 | 5,284,000 | 4,638,000 |
| Securities available for sale | 1,268,000 | 7,560,000 | 15,022,000 | 14,836,000 |
| Securities held to maturity | 1,629,000 | 1,618,000 | 1,614,000 | 1,611,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 306,623,000 | 323,929,000 | 329,897,000 | 331,542,000 |
| Interest-bearing deposits | 270,122,000 | 282,409,000 | 282,130,000 | 287,696,000 |
| Noninterest-bearing deposits | 36,501,000 | 41,520,000 | 47,767,000 | 43,846,000 |
| Equity capital | 37,238,000 | 37,124,000 | 37,345,000 | 38,795,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 4,160,000 | 8,252,000 | 12,382,000 | 16,323,000 |
| Interest expense | 999,000 | 1,984,000 | 2,926,000 | 3,784,000 |
| Net interest income | 3,161,000 | 6,268,000 | 9,456,000 | 12,539,000 |
| Noninterest income | 601,000 | 1,313,000 | 2,210,000 | 3,132,000 |
| Noninterest expense | 3,038,000 | 6,184,000 | 9,344,000 | 12,504,000 |
| Provision for loan losses | 338,000 | 1,235,000 | 1,936,000 | 1,736,000 |
| Pretax income | 386,000 | 162,000 | 386,000 | 1,431,000 |
| Income tax | 101,000 | -4,000 | 45,000 | 371,000 |
| Net income | 285,000 | 166,000 | 341,000 | 1,060,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,661,000 | 38,543,000 | 38,718,000 | 39,433,000 |
| Total capital | 41,953,000 | 41,791,000 | 41,981,000 | 42,662,000 |
| Risk-weighted assets | 262,695,000 | 258,198,000 | 258,802,000 | 256,656,000 |