Call reports 2012
MELVIN SAVINGS BANK — 2012
What MELVIN SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 57,213,000 | 56,448,000 | 60,242,000 | 60,446,000 |
| Total loans | 22,603,000 | 23,118,000 | 23,209,000 | 22,935,000 |
| Allowance for loan losses | 449,000 | 450,000 | 451,000 | 452,000 |
| Securities available for sale | 2,452,000 | 4,557,000 | 3,581,000 | 3,193,000 |
| Securities held to maturity | 21,606,000 | 19,744,000 | 21,398,000 | 22,677,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,016,000 | 46,074,000 | 49,656,000 | 49,933,000 |
| Interest-bearing deposits | 41,645,000 | 39,902,000 | 43,335,000 | 42,730,000 |
| Noninterest-bearing deposits | 5,371,000 | 6,172,000 | 6,321,000 | 7,203,000 |
| Equity capital | 10,124,000 | 10,310,000 | 10,514,000 | 10,457,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 473,000 | 943,000 | 1,405,000 | 1,863,000 |
| Interest expense | 94,000 | 185,000 | 279,000 | 365,000 |
| Net interest income | 379,000 | 758,000 | 1,126,000 | 1,498,000 |
| Noninterest income | 37,000 | 77,000 | 121,000 | 182,000 |
| Noninterest expense | 262,000 | 497,000 | 742,000 | 1,200,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 154,000 | 338,000 | 505,000 | 480,000 |
| Income tax | 6,000 | 13,000 | 19,000 | 25,000 |
| Net income | 148,000 | 325,000 | 486,000 | 455,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,847,000 | 10,025,000 | 10,185,000 | 10,153,000 |
| Total capital | 10,296,000 | 10,475,000 | 10,636,000 | 10,605,000 |
| Risk-weighted assets | 41,321,000 | 41,930,000 | 45,556,000 | 46,162,000 |