Call reports 2014
MELVIN SAVINGS BANK — 2014
What MELVIN SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 66,392,000 | 65,669,000 | 64,853,000 | 66,612,000 |
| Total loans | 25,152,000 | 25,235,000 | 25,059,000 | 25,862,000 |
| Allowance for loan losses | 423,000 | 424,000 | 424,000 | 413,000 |
| Securities available for sale | 2,849,000 | 2,747,000 | 2,599,000 | 2,474,000 |
| Securities held to maturity | 26,114,000 | 26,172,000 | 26,908,000 | 27,148,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,579,000 | 54,741,000 | 53,732,000 | 55,500,000 |
| Interest-bearing deposits | 48,104,000 | 47,696,000 | 46,796,000 | 46,590,000 |
| Noninterest-bearing deposits | 7,475,000 | 7,045,000 | 6,936,000 | 8,910,000 |
| Equity capital | 10,758,000 | 10,885,000 | 11,068,000 | 11,069,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 466,000 | 939,000 | 1,423,000 | 1,899,000 |
| Interest expense | 55,000 | 110,000 | 164,000 | 216,000 |
| Net interest income | 411,000 | 829,000 | 1,259,000 | 1,683,000 |
| Noninterest income | 30,000 | 8,000 | 46,000 | 112,000 |
| Noninterest expense | 291,000 | 586,000 | 855,000 | 1,348,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 150,000 | 251,000 | 450,000 | 447,000 |
| Income tax | 0 | 4,000 | 8,000 | 13,000 |
| Net income | 150,000 | 247,000 | 442,000 | 434,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,531,000 | 10,630,000 | 10,826,000 | 10,819,000 |
| Total capital | 10,954,000 | 11,054,000 | 11,250,000 | 11,232,000 |
| Risk-weighted assets | 50,364,000 | 50,676,000 | 51,545,000 | 52,725,000 |