Call reports 2013
MELVIN SAVINGS BANK — 2013
What MELVIN SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 60,790,000 | 60,107,000 | 61,131,000 | 66,164,000 |
| Total loans | 22,930,000 | 22,595,000 | 22,985,000 | 24,594,000 |
| Allowance for loan losses | 450,000 | 420,000 | 421,000 | 422,000 |
| Securities available for sale | 2,884,000 | 3,014,000 | 3,135,000 | 2,970,000 |
| Securities held to maturity | 23,169,000 | 23,682,000 | 24,332,000 | 25,824,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,233,000 | 49,543,000 | 50,383,000 | 55,449,000 |
| Interest-bearing deposits | 43,649,000 | 43,374,000 | 44,356,000 | 46,103,000 |
| Noninterest-bearing deposits | 6,584,000 | 6,169,000 | 6,027,000 | 9,346,000 |
| Equity capital | 10,496,000 | 10,516,000 | 10,697,000 | 10,676,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 435,000 | 847,000 | 1,294,000 | 1,748,000 |
| Interest expense | 77,000 | 147,000 | 214,000 | 276,000 |
| Net interest income | 358,000 | 700,000 | 1,080,000 | 1,472,000 |
| Noninterest income | 31,000 | 71,000 | 116,000 | 176,000 |
| Noninterest expense | 261,000 | 521,000 | 789,000 | 1,240,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 128,000 | 250,000 | 407,000 | 408,000 |
| Income tax | 0 | 6,000 | 18,000 | 24,000 |
| Net income | 128,000 | 244,000 | 389,000 | 384,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,203,000 | 10,320,000 | 10,465,000 | 10,460,000 |
| Total capital | 10,653,000 | 10,740,000 | 10,886,000 | 10,882,000 |
| Risk-weighted assets | 46,116,000 | 47,030,000 | 46,618,000 | 49,322,000 |
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