Call reports 2012
MILFORD BANK THE — 2012
What MILFORD BANK THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 376,115,000 | 384,295,000 | 382,099,000 | 396,904,000 |
| Total loans | 299,576,000 | 304,178,000 | 305,013,000 | 308,425,000 |
| Allowance for loan losses | 3,745,000 | 3,629,000 | 3,692,000 | 3,325,000 |
| Securities available for sale | 22,015,000 | 21,653,000 | 17,546,000 | 12,917,000 |
| Securities held to maturity | 1,604,000 | 1,606,000 | 1,604,000 | 1,601,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 330,599,000 | 336,746,000 | 334,937,000 | 348,455,000 |
| Interest-bearing deposits | 283,818,000 | 245,109,000 | 245,340,000 | 295,102,000 |
| Noninterest-bearing deposits | 46,781,000 | 91,637,000 | 89,597,000 | 53,353,000 |
| Equity capital | 39,639,000 | 40,158,000 | 40,781,000 | 40,671,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,727,000 | 7,487,000 | 11,197,000 | 14,847,000 |
| Interest expense | 461,000 | 891,000 | 1,296,000 | 1,693,000 |
| Net interest income | 3,266,000 | 6,596,000 | 9,901,000 | 13,154,000 |
| Noninterest income | 597,000 | 1,434,000 | 2,555,000 | 3,398,000 |
| Noninterest expense | 3,426,000 | 6,956,000 | 10,402,000 | 14,089,000 |
| Provision for loan losses | 63,000 | -22,000 | 137,000 | 125,000 |
| Pretax income | 374,000 | 1,090,000 | 1,911,000 | 2,331,000 |
| Income tax | 100,000 | 318,000 | 572,000 | 690,000 |
| Net income | 274,000 | 772,000 | 1,339,000 | 1,641,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,153,000 | 41,650,000 | 42,213,000 | 42,516,000 |
| Total capital | 44,443,000 | 44,935,000 | 45,469,000 | 45,789,000 |
| Risk-weighted assets | 262,534,000 | 262,249,000 | 260,364,000 | 261,587,000 |