Call reports 2019
MELVIN SAVINGS BANK — 2019
What MELVIN SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 71,567,000 | 67,684,000 | 70,259,000 | 73,939,000 |
| Total loans | 25,678,000 | 24,923,000 | 25,000,000 | 23,838,000 |
| Allowance for loan losses | 405,000 | 405,000 | 405,000 | 405,000 |
| Securities available for sale | 852,000 | 797,000 | 732,000 | 676,000 |
| Securities held to maturity | 31,539,000 | 31,071,000 | 29,994,000 | 28,307,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,016,000 | 55,007,000 | 57,392,000 | 61,191,000 |
| Interest-bearing deposits | 51,916,000 | 48,116,000 | 50,240,000 | 52,197,000 |
| Noninterest-bearing deposits | 7,100,000 | 6,891,000 | 7,152,000 | 8,994,000 |
| Equity capital | 12,447,000 | 12,584,000 | 12,753,000 | 12,646,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 558,000 | 1,136,000 | 1,700,000 | 2,180,000 |
| Interest expense | 132,000 | 271,000 | 404,000 | 533,000 |
| Net interest income | 426,000 | 865,000 | 1,296,000 | 1,647,000 |
| Noninterest income | 29,000 | 61,000 | 88,000 | 144,000 |
| Noninterest expense | 331,000 | 655,000 | 937,000 | 1,444,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 124,000 | 271,000 | 447,000 | 347,000 |
| Income tax | 0 | 20,000 | 27,000 | 34,000 |
| Net income | 124,000 | 251,000 | 420,000 | 313,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,225,000 | 12,353,000 | 12,522,000 | 12,415,000 |
| Total capital | 12,630,000 | 12,758,000 | 12,927,000 | 12,820,000 |
| Risk-weighted assets | 33,717,000 | 32,916,000 | 33,309,000 | 40,005,000 |