Call reports 2022
MILFORD BANK THE — 2022
What MILFORD BANK THE reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 558,204,000 | 582,358,000 | 561,851,000 | 559,839,000 |
| Total loans | 393,826,000 | 407,684,000 | 414,682,000 | 417,103,000 |
| Allowance for loan losses | 4,165,000 | 4,268,000 | 4,344,000 | 4,214,000 |
| Securities available for sale | 101,707,000 | 100,159,000 | 96,547,000 | 96,821,000 |
| Securities held to maturity | 649,000 | 4,177,000 | 4,131,000 | 4,049,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 497,106,000 | 524,063,000 | 507,708,000 | 503,886,000 |
| Interest-bearing deposits | 370,032,000 | 391,436,000 | 360,627,000 | 352,379,000 |
| Noninterest-bearing deposits | 127,074,000 | 132,627,000 | 147,081,000 | 151,507,000 |
| Equity capital | 46,620,000 | 43,621,000 | 39,067,000 | 41,458,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 4,169,000 | 8,495,000 | 13,076,000 | 18,062,000 |
| Interest expense | 163,000 | 334,000 | 501,000 | 675,000 |
| Net interest income | 4,006,000 | 8,161,000 | 12,575,000 | 17,387,000 |
| Noninterest income | 1,691,000 | 1,976,000 | 2,456,000 | 3,107,000 |
| Noninterest expense | 4,103,000 | 7,826,000 | 11,906,000 | 16,915,000 |
| Provision for loan losses | -35,000 | 75,000 | 150,000 | 20,000 |
| Pretax income | 1,629,000 | 2,236,000 | 2,975,000 | 3,559,000 |
| Income tax | 67,000 | 188,000 | 334,000 | 448,000 |
| Net income | 1,562,000 | 2,048,000 | 2,641,000 | 3,111,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,150,000 | 54,637,000 | 55,230,000 | 55,699,000 |
| Total capital | 58,415,000 | 59,005,000 | 59,674,000 | 60,013,000 |
| Risk-weighted assets | 345,258,000 | 353,766,000 | 362,021,000 | 363,546,000 |
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