Call reports 2016
MELVIN SAVINGS BANK — 2016
What MELVIN SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 65,173,000 | 64,803,000 | 66,738,000 | 68,964,000 |
| Total loans | 28,558,000 | 28,878,000 | 28,748,000 | 27,019,000 |
| Allowance for loan losses | 408,000 | 408,000 | 408,000 | 408,000 |
| Securities available for sale | 1,895,000 | 1,802,000 | 1,690,000 | 1,547,000 |
| Securities held to maturity | 26,312,000 | 25,560,000 | 24,578,000 | 24,333,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,512,000 | 52,933,000 | 54,615,000 | 56,981,000 |
| Interest-bearing deposits | 46,890,000 | 45,271,000 | 47,098,000 | 48,048,000 |
| Noninterest-bearing deposits | 6,622,000 | 7,662,000 | 7,517,000 | 8,933,000 |
| Equity capital | 11,620,000 | 11,838,000 | 12,081,000 | 11,948,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 545,000 | 1,067,000 | 1,620,000 | 2,129,000 |
| Interest expense | 63,000 | 125,000 | 192,000 | 260,000 |
| Net interest income | 482,000 | 942,000 | 1,428,000 | 1,869,000 |
| Noninterest income | 29,000 | 61,000 | 93,000 | 149,000 |
| Noninterest expense | 281,000 | 557,000 | 829,000 | 1,401,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 230,000 | 446,000 | 692,000 | 617,000 |
| Income tax | 0 | 13,000 | 13,000 | 27,000 |
| Net income | 230,000 | 433,000 | 679,000 | 590,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,389,000 | 11,607,000 | 11,850,000 | 11,717,000 |
| Total capital | 11,797,000 | 12,015,000 | 12,258,000 | 12,125,000 |
| Risk-weighted assets | 35,099,000 | 35,518,000 | 35,025,000 | 33,350,000 |