Call reports 2010
MELVIN SAVINGS BANK — 2010
What MELVIN SAVINGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 51,388,000 | 51,125,000 | 52,664,000 | 52,918,000 |
| Total loans | 21,305,000 | 22,062,000 | 22,142,000 | 20,199,000 |
| Allowance for loan losses | 442,000 | 452,000 | 453,000 | 452,000 |
| Securities available for sale | 3,727,000 | 3,203,000 | 2,864,000 | 2,538,000 |
| Securities held to maturity | 21,333,000 | 21,087,000 | 20,945,000 | 22,264,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,200,000 | 39,748,000 | 41,116,000 | 41,495,000 |
| Interest-bearing deposits | 35,823,000 | 35,522,000 | 37,002,000 | 35,528,000 |
| Noninterest-bearing deposits | 4,377,000 | 4,226,000 | 4,114,000 | 5,967,000 |
| Equity capital | 10,869,000 | 11,067,000 | 11,246,000 | 11,094,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 529,000 | 1,073,000 | 1,621,000 | 2,139,000 |
| Interest expense | 140,000 | 273,000 | 400,000 | 514,000 |
| Net interest income | 389,000 | 800,000 | 1,221,000 | 1,625,000 |
| Noninterest income | 30,000 | 69,000 | 115,000 | 170,000 |
| Noninterest expense | 261,000 | 469,000 | 716,000 | 1,209,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 158,000 | 400,000 | 620,000 | 586,000 |
| Income tax | 0 | 54,000 | 81,000 | 143,000 |
| Net income | 158,000 | 346,000 | 539,000 | 443,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,562,000 | 10,750,000 | 10,944,000 | 10,846,000 |
| Total capital | 11,004,000 | 11,202,000 | 11,397,000 | 11,298,000 |
| Risk-weighted assets | 37,291,000 | 37,747,000 | 37,872,000 | 37,748,000 |
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