Bank Financial Statement

MILLVILLE SAVINGS AND LOAN ASSOCIATION CONSOLIDATED BALANCE SHEET

For the period ending December 31,
	2005	2004
ASSETS
Cash and due from banks	$4,763,202	$3,237,031
Interest-bearing deposits with other institutions	1,286,579	870,943
Cash and cash equivalents	6,049,781	4,107,974
Investment securities held to maturity (estimated market value of $29,145,643 and $28,682,555)	29,905,920	28,914,535
Mortgage-backed securities held to maturity (estimated market value of $28,100,379 and $33,690,517)	28,921,304	33,907,072
Loans receivable (net of allowance for loan losses of $345,000 and $345,000)	38,865,278	34,425,342
Accrued Interest receivable	522,088	473,844
Federal Home Loan Bank stock	133,500	538,900
Premises and equipment	1,401,529	1,214,578
Other assets	143,804	41,168
TOTAL ASSETS	$106,943,204	$103,623,413
LIABILITIES AND RETAINED EARNINGS
Deposits	$94,127,759	$91,549,479
Advances by borrowers for taxes and insurance	201,321	261,249
Accrued interest payable	49,169	12,890
Other liabilities	187,167	229,076
TOTAL LIABILITIES	94,562,416	92,052,694
Retained earnings	12,380,788	11,570,719
TOTAL LIABILITIES AND RETAINED EARNINGS	$106,943,204	$103,623,413