Call reports 2015
MELVIN SAVINGS BANK — 2015
What MELVIN SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 66,813,000 | 62,433,000 | 66,091,000 | 66,914,000 |
| Total loans | 25,381,000 | 24,961,000 | 26,414,000 | 29,031,000 |
| Allowance for loan losses | 413,000 | 413,000 | 413,000 | 408,000 |
| Securities available for sale | 2,355,000 | 2,215,000 | 2,115,000 | 1,975,000 |
| Securities held to maturity | 27,419,000 | 28,006,000 | 27,824,000 | 28,225,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,612,000 | 51,096,000 | 54,537,000 | 55,405,000 |
| Interest-bearing deposits | 48,064,000 | 44,556,000 | 48,647,000 | 47,328,000 |
| Noninterest-bearing deposits | 7,548,000 | 6,540,000 | 5,890,000 | 8,077,000 |
| Equity capital | 11,157,000 | 11,310,000 | 11,517,000 | 11,478,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 475,000 | 956,000 | 1,441,000 | 1,957,000 |
| Interest expense | 54,000 | 100,000 | 150,000 | 206,000 |
| Net interest income | 421,000 | 856,000 | 1,291,000 | 1,751,000 |
| Noninterest income | 30,000 | 67,000 | 107,000 | 172,000 |
| Noninterest expense | 249,000 | 536,000 | 816,000 | 1,357,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 202,000 | 387,000 | 582,000 | 566,000 |
| Income tax | 0 | 12,000 | 19,000 | 25,000 |
| Net income | 202,000 | 375,000 | 563,000 | 541,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,895,000 | 11,079,000 | 11,286,000 | 11,247,000 |
| Total capital | 11,301,000 | 11,485,000 | 11,699,000 | 11,655,000 |
| Risk-weighted assets | 35,113,000 | 32,440,000 | 33,754,000 | 36,160,000 |