Call reports 2013
JOHN O. MELBY & CO. BANK — 2013
What JOHN O. MELBY & CO. BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 43,330,000 | 41,902,000 | 40,161,000 | 42,568,000 |
| Total loans | 22,168,000 | 22,217,000 | 21,677,000 | 21,841,000 |
| Allowance for loan losses | 322,000 | 329,000 | 329,000 | 332,000 |
| Securities available for sale | 9,381,000 | 10,986,000 | 11,386,000 | 10,930,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,939,000 | 34,740,000 | 32,934,000 | 35,542,000 |
| Interest-bearing deposits | 32,658,000 | 31,118,000 | 29,799,000 | 30,481,000 |
| Noninterest-bearing deposits | 3,281,000 | 3,622,000 | 3,135,000 | 5,061,000 |
| Equity capital | 7,344,000 | 7,108,000 | 7,160,000 | 6,979,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 330,000 | 676,000 | 1,013,000 | 1,349,000 |
| Interest expense | 30,000 | 58,000 | 84,000 | 107,000 |
| Net interest income | 300,000 | 618,000 | 929,000 | 1,242,000 |
| Noninterest income | 19,000 | 48,000 | 68,000 | 88,000 |
| Noninterest expense | 277,000 | 559,000 | 837,000 | 1,133,000 |
| Provision for loan losses | 6,000 | 12,000 | 20,000 | 26,000 |
| Pretax income | 36,000 | 95,000 | 140,000 | 171,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 36,000 | 95,000 | 140,000 | 171,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,516,000 | 4,588,000 | 4,646,000 | 4,549,000 |
| Total capital | 4,789,000 | 4,867,000 | 4,917,000 | 4,829,000 |
| Risk-weighted assets | 21,768,000 | 22,288,000 | 21,630,000 | 22,319,000 |
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