Call reports 2005
MARBLEHEAD BANK — 2005
What MARBLEHEAD BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 191,730,000 | 200,877,000 | 195,504,000 | 192,056,000 |
| Total loans | 135,791,000 | 138,643,000 | 138,243,000 | 135,860,000 |
| Allowance for loan losses | 526,000 | 540,000 | 535,000 | 532,000 |
| Securities available for sale | 7,684,000 | 7,778,000 | 7,644,000 | 7,595,000 |
| Securities held to maturity | 28,184,000 | 35,188,000 | 32,194,000 | 25,700,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,368,000 | 111,167,000 | 110,602,000 | 123,371,000 |
| Interest-bearing deposits | 101,988,000 | 105,287,000 | 103,994,000 | 116,336,000 |
| Noninterest-bearing deposits | 4,380,000 | 5,880,000 | 6,608,000 | 7,035,000 |
| Equity capital | 17,363,000 | 17,410,000 | 17,279,000 | 17,205,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,265,000 | 4,655,000 | 7,090,000 | 9,491,000 |
| Interest expense | 819,000 | 1,793,000 | 2,878,000 | 3,950,000 |
| Net interest income | 1,446,000 | 2,862,000 | 4,212,000 | 5,541,000 |
| Noninterest income | 181,000 | 367,000 | 552,000 | 734,000 |
| Noninterest expense | 1,671,000 | 3,325,000 | 4,915,000 | 6,565,000 |
| Provision for loan losses | -18,000 | -2,000 | -8,000 | -8,000 |
| Pretax income | -26,000 | -94,000 | -143,000 | -282,000 |
| Income tax | -34,000 | -79,000 | -41,000 | -119,000 |
| Net income | 8,000 | -15,000 | -102,000 | -163,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,347,000 | 17,396,000 | 17,359,000 | 17,299,000 |
| Total capital | 17,873,000 | 17,936,000 | 17,894,000 | 17,831,000 |
| Risk-weighted assets | 96,782,000 | 99,686,000 | 98,088,000 | 97,293,000 |
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