Call reports 2023
MILFORD BANK THE — 2023
What MILFORD BANK THE reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 564,145,000 | 569,954,000 | 580,794,000 | 586,383,000 |
| Total loans | 421,306,000 | 433,239,000 | 439,209,000 | 446,357,000 |
| Allowance for loan losses | 4,336,000 | 4,513,000 | 4,524,000 | 4,145,000 |
| Securities available for sale | 97,919,000 | 95,652,000 | 91,975,000 | 96,359,000 |
| Securities held to maturity | 3,994,000 | 3,951,000 | 3,908,000 | 3,825,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 490,989,000 | 496,880,000 | 497,646,000 | 505,474,000 |
| Interest-bearing deposits | 343,287,000 | 355,831,000 | 357,003,000 | 363,185,000 |
| Noninterest-bearing deposits | 147,702,000 | 141,049,000 | 140,643,000 | 142,289,000 |
| Equity capital | 43,432,000 | 42,671,000 | 40,802,000 | 45,537,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 5,025,000 | 10,366,000 | 15,891,000 | 21,680,000 |
| Interest expense | 445,000 | 1,270,000 | 2,473,000 | 3,845,000 |
| Net interest income | 4,580,000 | 9,096,000 | 13,418,000 | 17,835,000 |
| Noninterest income | 699,000 | 1,372,000 | 1,889,000 | 2,663,000 |
| Noninterest expense | 4,615,000 | 9,111,000 | 13,502,000 | 18,200,000 |
| Provision for loan losses | 40,000 | 215,000 | 230,000 | -150,000 |
| Pretax income | 624,000 | 1,142,000 | 1,575,000 | 2,448,000 |
| Income tax | 122,000 | 222,000 | 304,000 | 478,000 |
| Net income | 502,000 | 920,000 | 1,271,000 | 1,970,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,134,000 | 56,553,000 | 56,903,000 | 57,602,000 |
| Total capital | 60,570,000 | 61,166,000 | 61,527,000 | 61,847,000 |
| Risk-weighted assets | 368,820,000 | 381,060,000 | 386,267,000 | 390,614,000 |
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