Call reports 2011
MELVIN SAVINGS BANK — 2011
What MELVIN SAVINGS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 53,806,000 | 55,693,000 | 56,236,000 | 56,062,000 |
| Total loans | 20,814,000 | 23,045,000 | 23,082,000 | 22,065,000 |
| Allowance for loan losses | 451,000 | 450,000 | 450,000 | 449,000 |
| Securities available for sale | 2,289,000 | 2,042,000 | 2,350,000 | 1,999,000 |
| Securities held to maturity | 22,623,000 | 23,395,000 | 22,999,000 | 22,794,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,327,000 | 44,094,000 | 44,449,000 | 45,284,000 |
| Interest-bearing deposits | 37,382,000 | 38,231,000 | 39,176,000 | 39,129,000 |
| Noninterest-bearing deposits | 4,945,000 | 5,863,000 | 5,273,000 | 6,155,000 |
| Equity capital | 11,225,000 | 11,359,000 | 11,549,000 | 10,557,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 497,000 | 1,007,000 | 1,536,000 | 2,050,000 |
| Interest expense | 109,000 | 219,000 | 325,000 | 427,000 |
| Net interest income | 388,000 | 788,000 | 1,211,000 | 1,623,000 |
| Noninterest income | 39,000 | 77,000 | 128,000 | 185,000 |
| Noninterest expense | 242,000 | 473,000 | 713,000 | 1,180,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 185,000 | 392,000 | 626,000 | 628,000 |
| Income tax | 0 | 82,000 | 124,000 | 165,000 |
| Net income | 185,000 | 310,000 | 502,000 | 463,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,944,000 | 11,070,000 | 11,260,000 | 10,291,000 |
| Total capital | 11,395,000 | 11,520,000 | 11,710,000 | 10,740,000 |
| Risk-weighted assets | 40,886,000 | 40,569,000 | 40,915,000 | 40,430,000 |