Call reports 2003
MELVIN SAVINGS BANK — 2003
What MELVIN SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 43,565,000 | 43,776,000 | 44,093,000 | 44,886,000 |
| Total loans | 15,780,000 | 15,944,000 | 16,886,000 | 16,442,000 |
| Allowance for loan losses | 304,000 | 305,000 | 305,000 | 306,000 |
| Securities available for sale | 3,250,000 | 2,537,000 | 1,588,000 | 1,668,000 |
| Securities held to maturity | 19,637,000 | 19,853,000 | 22,304,000 | 23,449,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,490,000 | 34,680,000 | 34,865,000 | 35,563,000 |
| Interest-bearing deposits | 32,022,000 | 32,559,000 | 32,070,000 | 32,159,000 |
| Noninterest-bearing deposits | 2,468,000 | 2,121,000 | 2,795,000 | 3,404,000 |
| Equity capital | 8,689,000 | 8,737,000 | 8,872,000 | 8,944,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 497,000 | 970,000 | 1,440,000 | 1,925,000 |
| Interest expense | 199,000 | 388,000 | 563,000 | 722,000 |
| Net interest income | 298,000 | 582,000 | 877,000 | 1,203,000 |
| Noninterest income | 21,000 | 46,000 | 72,000 | 127,000 |
| Noninterest expense | 179,000 | 365,000 | 522,000 | 844,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 140,000 | 263,000 | 427,000 | 486,000 |
| Income tax | 0 | 64,000 | 92,000 | 76,000 |
| Net income | 140,000 | 199,000 | 335,000 | 410,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,437,000 | 8,496,000 | 8,633,000 | 8,705,000 |
| Total capital | 8,741,000 | 8,801,000 | 8,938,000 | 9,011,000 |
| Risk-weighted assets | 26,893,000 | 28,522,000 | 29,921,000 | 30,191,000 |
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