Call reports 2005
BANK OF MILLBROOK — 2005
What BANK OF MILLBROOK 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 | 146,850,000 | 164,024,000 | 140,878,000 | 137,663,000 |
| Total loans | 78,368,000 | 81,286,000 | 82,753,000 | 84,656,000 |
| Allowance for loan losses | 1,645,000 | 1,673,000 | 1,701,000 | 1,716,000 |
| Securities available for sale | 7,962,000 | 7,960,000 | 8,415,000 | 7,156,000 |
| Securities held to maturity | 32,124,000 | 48,557,000 | 31,483,000 | 28,887,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,665,000 | 144,386,000 | 121,356,000 | 117,650,000 |
| Interest-bearing deposits | 90,339,000 | 106,029,000 | 84,747,000 | 78,517,000 |
| Noninterest-bearing deposits | 37,325,000 | 38,358,000 | 36,609,000 | 39,133,000 |
| Equity capital | 18,052,000 | 17,845,000 | 18,333,000 | 18,176,000 |
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 | 1,550,000 | 3,291,000 | 5,075,000 | 6,756,000 |
| Interest expense | 160,000 | 378,000 | 606,000 | 863,000 |
| Net interest income | 1,390,000 | 2,913,000 | 4,469,000 | 5,893,000 |
| Noninterest income | 124,000 | 269,000 | 408,000 | 551,000 |
| Noninterest expense | 877,000 | 1,796,000 | 2,699,000 | 3,658,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 607,000 | 1,326,000 | 2,088,000 | 2,666,000 |
| Income tax | 120,000 | 484,000 | 735,000 | 831,000 |
| Net income | 487,000 | 842,000 | 1,353,000 | 1,835,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,094,000 | 17,885,000 | 18,395,000 | 18,242,000 |
| Total capital | 19,020,000 | 18,786,000 | 19,300,000 | 19,135,000 |
| Risk-weighted assets | 73,363,000 | 71,341,000 | 71,605,000 | 70,759,000 |