Call reports 2021
MILFORD BANK THE — 2021
What MILFORD BANK THE reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 510,253,000 | 528,414,000 | 535,337,000 | 542,721,000 |
| Total loans | 412,287,000 | 401,210,000 | 395,733,000 | 397,115,000 |
| Allowance for loan losses | 4,312,000 | 4,227,000 | 4,165,000 | 4,203,000 |
| Securities available for sale | 20,281,000 | 45,274,000 | 64,307,000 | 98,868,000 |
| Securities held to maturity | 874,000 | 808,000 | 743,000 | 691,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 448,280,000 | 464,947,000 | 471,476,000 | 478,333,000 |
| Interest-bearing deposits | 333,707,000 | 346,376,000 | 349,633,000 | 358,561,000 |
| Noninterest-bearing deposits | 114,573,000 | 118,571,000 | 121,843,000 | 119,772,000 |
| Equity capital | 49,155,000 | 50,049,000 | 50,229,000 | 50,660,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 4,195,000 | 8,371,000 | 12,628,000 | 16,974,000 |
| Interest expense | 170,000 | 330,000 | 494,000 | 656,000 |
| Net interest income | 4,025,000 | 8,041,000 | 12,134,000 | 16,318,000 |
| Noninterest income | 527,000 | 1,120,000 | 1,641,000 | 2,344,000 |
| Noninterest expense | 3,981,000 | 7,945,000 | 11,824,000 | 16,163,000 |
| Provision for loan losses | -15,000 | -100,000 | -160,000 | -120,000 |
| Pretax income | 586,000 | 1,316,000 | 2,111,000 | 2,619,000 |
| Income tax | 113,000 | 256,000 | 413,000 | 510,000 |
| Net income | 473,000 | 1,060,000 | 1,698,000 | 2,109,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,952,000 | 51,539,000 | 52,177,000 | 52,588,000 |
| Total capital | 55,017,000 | 55,573,000 | 56,251,000 | 56,848,000 |
| Risk-weighted assets | 324,878,000 | 322,504,000 | 325,778,000 | 340,807,000 |
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