Call reports 2005
MILTON BANKING COMPANY, THE — 2005
What MILTON BANKING COMPANY, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 70,016,000 | 69,241,000 | 72,766,000 | 71,950,000 |
| Total loans | 56,216,000 | 58,537,000 | 60,542,000 | 60,788,000 |
| Allowance for loan losses | 523,000 | 522,000 | 505,000 | 510,000 |
| Securities available for sale | 6,615,000 | 6,127,000 | 5,469,000 | 5,124,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,861,000 | 62,559,000 | 66,429,000 | 65,639,000 |
| Interest-bearing deposits | 53,265,000 | 52,661,000 | 54,361,000 | 55,816,000 |
| Noninterest-bearing deposits | 10,596,000 | 9,898,000 | 12,068,000 | 9,823,000 |
| Equity capital | 5,975,000 | 6,037,000 | 6,216,000 | 6,242,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,053,000 | 2,118,000 | 3,206,000 | 4,317,000 |
| Interest expense | 250,000 | 506,000 | 785,000 | 1,100,000 |
| Net interest income | 803,000 | 1,612,000 | 2,421,000 | 3,217,000 |
| Noninterest income | 156,000 | 324,000 | 504,000 | 678,000 |
| Noninterest expense | 634,000 | 1,328,000 | 2,020,000 | 2,714,000 |
| Provision for loan losses | 33,000 | 66,000 | 99,000 | 132,000 |
| Pretax income | 292,000 | 531,000 | 786,000 | 1,029,000 |
| Income tax | 96,000 | 184,000 | 255,000 | 332,000 |
| Net income | 196,000 | 347,000 | 531,000 | 697,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,084,000 | 6,102,000 | 6,286,000 | 6,318,000 |
| Total capital | 6,607,000 | 6,624,000 | 6,791,000 | 6,828,000 |
| Risk-weighted assets | 48,022,000 | 48,869,000 | 50,810,000 | 50,606,000 |