Call reports 2011
MILFORD BANK THE — 2011
What MILFORD BANK THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 368,783,000 | 374,572,000 | 371,890,000 | 371,765,000 |
| Total loans | 293,068,000 | 290,837,000 | 292,871,000 | 295,025,000 |
| Allowance for loan losses | 4,527,000 | 3,982,000 | 3,995,000 | 3,843,000 |
| Securities available for sale | 14,665,000 | 8,147,000 | 17,709,000 | 27,310,000 |
| Securities held to maturity | 1,608,000 | 6,485,000 | 6,366,000 | 1,606,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 322,538,000 | 328,331,000 | 325,036,000 | 326,348,000 |
| Interest-bearing deposits | 279,229,000 | 283,239,000 | 278,253,000 | 282,588,000 |
| Noninterest-bearing deposits | 43,309,000 | 45,092,000 | 46,783,000 | 43,760,000 |
| Equity capital | 39,098,000 | 39,384,000 | 39,783,000 | 39,241,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,861,000 | 7,687,000 | 11,444,000 | 15,233,000 |
| Interest expense | 627,000 | 1,218,000 | 1,800,000 | 2,327,000 |
| Net interest income | 3,234,000 | 6,469,000 | 9,644,000 | 12,906,000 |
| Noninterest income | 520,000 | 1,078,000 | 1,732,000 | 2,379,000 |
| Noninterest expense | 3,332,000 | 6,702,000 | 9,926,000 | 12,977,000 |
| Provision for loan losses | 21,000 | 65,000 | 102,000 | 332,000 |
| Pretax income | 401,000 | 780,000 | 1,394,000 | 2,022,000 |
| Income tax | 108,000 | 210,000 | 392,000 | 577,000 |
| Net income | 293,000 | 570,000 | 1,002,000 | 1,445,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,726,000 | 40,003,000 | 40,436,000 | 40,879,000 |
| Total capital | 42,894,000 | 43,151,000 | 43,658,000 | 44,159,000 |
| Risk-weighted assets | 251,860,000 | 250,779,000 | 256,788,000 | 261,615,000 |