Call reports 2019
MILFORD BANK THE — 2019
What MILFORD BANK THE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 447,667,000 | 449,884,000 | 448,372,000 | 449,718,000 |
| Total loans | 386,252,000 | 382,248,000 | 386,236,000 | 391,712,000 |
| Allowance for loan losses | 3,088,000 | 3,089,000 | 3,055,000 | 3,092,000 |
| Securities available for sale | 17,057,000 | 15,730,000 | 20,164,000 | 19,237,000 |
| Securities held to maturity | 1,628,000 | 1,529,000 | 1,377,000 | 1,306,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 340,709,000 | 354,163,000 | 357,407,000 | 360,615,000 |
| Interest-bearing deposits | 272,133,000 | 276,529,000 | 278,333,000 | 286,310,000 |
| Noninterest-bearing deposits | 68,576,000 | 77,634,000 | 79,074,000 | 74,305,000 |
| Equity capital | 46,040,000 | 46,555,000 | 46,914,000 | 47,704,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 4,286,000 | 8,588,000 | 12,857,000 | 17,180,000 |
| Interest expense | 584,000 | 1,270,000 | 1,896,000 | 2,519,000 |
| Net interest income | 3,702,000 | 7,318,000 | 10,961,000 | 14,661,000 |
| Noninterest income | 587,000 | 1,143,000 | 1,711,000 | 2,304,000 |
| Noninterest expense | 3,842,000 | 7,603,000 | 11,448,000 | 15,382,000 |
| Provision for loan losses | 30,000 | 40,000 | 10,000 | 51,000 |
| Pretax income | 417,000 | 818,000 | 1,214,000 | 1,532,000 |
| Income tax | 77,000 | 151,000 | 224,000 | 280,000 |
| Net income | 340,000 | 667,000 | 990,000 | 1,252,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,480,000 | 48,808,000 | 49,131,000 | 49,392,000 |
| Total capital | 51,668,000 | 51,997,000 | 52,286,000 | 52,584,000 |
| Risk-weighted assets | 330,441,000 | 326,713,000 | 328,891,000 | 331,459,000 |
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