Call reports 2009
MELVIN SAVINGS BANK — 2009
What MELVIN SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 50,138,000 | 50,151,000 | 53,657,000 | 53,910,000 |
| Total loans | 22,356,000 | 21,572,000 | 21,191,000 | 20,034,000 |
| Allowance for loan losses | 304,000 | 305,000 | 305,000 | 303,000 |
| Securities available for sale | 4,570,000 | 4,114,000 | 4,023,000 | 3,909,000 |
| Securities held to maturity | 15,735,000 | 17,054,000 | 17,708,000 | 21,002,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,087,000 | 38,972,000 | 42,239,000 | 42,702,000 |
| Interest-bearing deposits | 34,469,000 | 34,134,000 | 37,183,000 | 36,881,000 |
| Noninterest-bearing deposits | 4,618,000 | 4,838,000 | 5,056,000 | 5,821,000 |
| Equity capital | 10,689,000 | 10,845,000 | 11,062,000 | 10,803,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 579,000 | 1,135,000 | 1,689,000 | 2,238,000 |
| Interest expense | 189,000 | 354,000 | 516,000 | 671,000 |
| Net interest income | 390,000 | 781,000 | 1,173,000 | 1,567,000 |
| Noninterest income | 70,000 | 113,000 | 155,000 | 223,000 |
| Noninterest expense | 238,000 | 484,000 | 708,000 | 1,135,000 |
| Provision for loan losses | 0 | 0 | 0 | 223,000 |
| Pretax income | 222,000 | 410,000 | 620,000 | 432,000 |
| Income tax | 0 | 30,000 | 45,000 | 110,000 |
| Net income | 222,000 | 380,000 | 575,000 | 322,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,390,000 | 10,548,000 | 10,743,000 | 10,491,000 |
| Total capital | 10,694,000 | 10,853,000 | 11,048,000 | 10,794,000 |
| Risk-weighted assets | 39,406,000 | 39,962,000 | 39,776,000 | 37,879,000 |
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