Call reports 2015
MILFORD BANK THE — 2015
What MILFORD BANK THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 396,975,000 | 403,076,000 | 391,273,000 | 396,693,000 |
| Total loans | 321,812,000 | 324,146,000 | 324,429,000 | 332,517,000 |
| Allowance for loan losses | 3,033,000 | 3,134,000 | 3,084,000 | 3,340,000 |
| Securities available for sale | 8,957,000 | 30,164,000 | 26,584,000 | 20,391,000 |
| Securities held to maturity | 5,677,000 | 5,130,000 | 5,029,000 | 4,937,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 344,130,000 | 350,731,000 | 330,860,000 | 341,615,000 |
| Interest-bearing deposits | 288,733,000 | 291,905,000 | 272,627,000 | 277,539,000 |
| Noninterest-bearing deposits | 55,397,000 | 58,826,000 | 58,233,000 | 64,076,000 |
| Equity capital | 41,799,000 | 41,678,000 | 42,488,000 | 42,835,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,385,000 | 6,847,000 | 10,683,000 | 14,103,000 |
| Interest expense | 238,000 | 448,000 | 642,000 | 819,000 |
| Net interest income | 3,147,000 | 6,399,000 | 10,041,000 | 13,284,000 |
| Noninterest income | 513,000 | 963,000 | 1,461,000 | 1,874,000 |
| Noninterest expense | 3,450,000 | 7,056,000 | 10,342,000 | 13,711,000 |
| Provision for loan losses | 145,000 | 243,000 | 44,000 | 344,000 |
| Pretax income | 65,000 | 63,000 | 1,116,000 | 1,103,000 |
| Income tax | -2,000 | -25,000 | 311,000 | 282,000 |
| Net income | 67,000 | 88,000 | 805,000 | 821,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,561,000 | 44,582,000 | 45,299,000 | 45,315,000 |
| Total capital | 47,744,000 | 47,811,000 | 48,478,000 | 48,755,000 |
| Risk-weighted assets | 268,901,000 | 275,273,000 | 277,310,000 | 283,980,000 |