Call reports 2020
MELVIN SAVINGS BANK — 2020
What MELVIN SAVINGS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 74,408,000 | 73,155,000 | 77,846,000 | 77,154,000 |
| Total loans | 26,025,000 | 26,380,000 | 23,616,000 | 21,471,000 |
| Allowance for loan losses | 402,000 | 306,000 | 306,000 | 297,000 |
| Securities available for sale | 642,000 | 593,000 | 537,000 | 485,000 |
| Securities held to maturity | 26,456,000 | 24,266,000 | 23,706,000 | 23,304,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,585,000 | 60,342,000 | 64,911,000 | 64,337,000 |
| Interest-bearing deposits | 53,151,000 | 51,984,000 | 54,563,000 | 52,870,000 |
| Noninterest-bearing deposits | 8,434,000 | 8,358,000 | 10,348,000 | 11,467,000 |
| Equity capital | 12,728,000 | 12,731,000 | 12,853,000 | 12,752,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 554,000 | 1,073,000 | 1,560,000 | 1,996,000 |
| Interest expense | 121,000 | 225,000 | 319,000 | 406,000 |
| Net interest income | 433,000 | 848,000 | 1,241,000 | 1,590,000 |
| Noninterest income | 27,000 | 83,000 | 133,000 | 176,000 |
| Noninterest expense | 316,000 | 632,000 | 946,000 | 1,433,000 |
| Provision for loan losses | 0 | 150,000 | 150,000 | 150,000 |
| Pretax income | 144,000 | 149,000 | 278,000 | 183,000 |
| Income tax | 0 | 3,000 | 8,000 | 13,000 |
| Net income | 144,000 | 146,000 | 270,000 | 170,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,478,000 | 12,480,000 | 12,604,000 | 12,504,000 |