Call reports 2013
MILFORD BANK THE — 2013
What MILFORD BANK THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 398,677,000 | 403,042,000 | 393,602,000 | 406,308,000 |
| Total loans | 316,464,000 | 321,817,000 | 329,665,000 | 333,437,000 |
| Allowance for loan losses | 3,501,000 | 3,282,000 | 3,213,000 | 3,137,000 |
| Securities available for sale | 12,241,000 | 12,616,000 | 12,724,000 | 12,492,000 |
| Securities held to maturity | 1,345,000 | 2,343,000 | 2,341,000 | 2,340,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 350,941,000 | 353,438,000 | 343,612,000 | 356,818,000 |
| Interest-bearing deposits | 296,345,000 | 296,026,000 | 289,242,000 | 298,359,000 |
| Noninterest-bearing deposits | 54,596,000 | 57,412,000 | 54,370,000 | 58,459,000 |
| Equity capital | 40,813,000 | 40,971,000 | 41,205,000 | 42,264,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,484,000 | 6,979,000 | 10,550,000 | 14,111,000 |
| Interest expense | 334,000 | 657,000 | 957,000 | 1,241,000 |
| Net interest income | 3,150,000 | 6,322,000 | 9,593,000 | 12,870,000 |
| Noninterest income | 628,000 | 1,306,000 | 1,765,000 | 2,359,000 |
| Noninterest expense | 3,388,000 | 6,970,000 | 10,462,000 | 14,058,000 |
| Provision for loan losses | 181,000 | 66,000 | 31,000 | -33,000 |
| Pretax income | 209,000 | 592,000 | 865,000 | 1,204,000 |
| Income tax | 47,000 | 153,000 | 223,000 | 313,000 |
| Net income | 162,000 | 439,000 | 642,000 | 891,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,678,000 | 42,953,000 | 43,159,000 | 43,411,000 |
| Total capital | 46,042,000 | 46,375,000 | 46,613,000 | 46,779,000 |
| Risk-weighted assets | 268,737,000 | 273,626,000 | 278,396,000 | 281,990,000 |