Call reports 2011
JOHN O. MELBY & CO. BANK — 2011
What JOHN O. MELBY & CO. BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 39,912,000 | 39,765,000 | 40,994,000 | 41,932,000 |
| Total loans | 23,589,000 | 24,302,000 | 24,517,000 | 26,995,000 |
| Allowance for loan losses | 317,000 | 314,000 | 300,000 | 302,000 |
| Securities available for sale | 9,843,000 | 8,592,000 | 8,242,000 | 7,447,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,612,000 | 32,283,000 | 33,438,000 | 34,562,000 |
| Interest-bearing deposits | 29,489,000 | 28,898,000 | 29,603,000 | 30,843,000 |
| Noninterest-bearing deposits | 3,123,000 | 3,385,000 | 3,835,000 | 3,718,000 |
| Equity capital | 7,240,000 | 7,409,000 | 7,491,000 | 7,331,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 400,000 | 808,000 | 1,210,000 | 1,615,000 |
| Interest expense | 79,000 | 150,000 | 207,000 | 257,000 |
| Net interest income | 321,000 | 658,000 | 1,003,000 | 1,358,000 |
| Noninterest income | 21,000 | 47,000 | 70,000 | 94,000 |
| Noninterest expense | 302,000 | 582,000 | 876,000 | 1,166,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 37,000 | 117,000 | 188,000 | 274,000 |
| Income tax | -3,000 | -2,000 | -2,000 | -2,000 |
| Net income | 40,000 | 119,000 | 190,000 | 276,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,386,000 | 4,477,000 | 4,562,000 | 4,408,000 |
| Total capital | 4,667,000 | 4,767,000 | 4,853,000 | 4,710,000 |
| Risk-weighted assets | 22,477,000 | 23,198,000 | 23,300,000 | 25,342,000 |
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