Call reports 2007
MELVIN SAVINGS BANK — 2007
What MELVIN SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 45,824,000 | 48,128,000 | 48,240,000 | 48,815,000 |
| Total loans | 22,675,000 | 24,356,000 | 25,358,000 | 22,865,000 |
| Allowance for loan losses | 300,000 | 301,000 | 300,000 | 301,000 |
| Securities available for sale | 2,047,000 | 2,300,000 | 2,294,000 | 2,589,000 |
| Securities held to maturity | 17,108,000 | 17,038,000 | 15,485,000 | 14,939,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,593,000 | 37,783,000 | 37,698,000 | 38,187,000 |
| Interest-bearing deposits | 32,414,000 | 32,752,000 | 33,381,000 | 34,509,000 |
| Noninterest-bearing deposits | 3,179,000 | 5,031,000 | 4,317,000 | 3,678,000 |
| Equity capital | 9,803,000 | 9,938,000 | 10,100,000 | 10,153,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 621,000 | 1,279,000 | 1,960,000 | 2,655,000 |
| Interest expense | 322,000 | 659,000 | 1,001,000 | 1,340,000 |
| Net interest income | 299,000 | 620,000 | 959,000 | 1,315,000 |
| Noninterest income | 40,000 | 86,000 | 127,000 | 190,000 |
| Noninterest expense | 222,000 | 414,000 | 634,000 | 994,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 117,000 | 292,000 | 452,000 | 511,000 |
| Income tax | 0 | 26,000 | 39,000 | 52,000 |
| Net income | 117,000 | 266,000 | 413,000 | 459,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,578,000 | 9,724,000 | 9,873,000 | 9,918,000 |
| Total capital | 9,878,000 | 10,025,000 | 10,173,000 | 10,219,000 |
| Risk-weighted assets | 33,915,000 | 36,903,000 | 37,520,000 | 36,519,000 |
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