Call reports 2015
MARBLEHEAD BANK — 2015
What MARBLEHEAD 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 | 181,798,000 | 181,463,000 | 182,271,000 | 187,501,000 |
| Total loans | 148,582,000 | 152,027,000 | 152,505,000 | 155,882,000 |
| Allowance for loan losses | 903,000 | 903,000 | 903,000 | 922,000 |
| Securities available for sale | 6,077,000 | 7,052,000 | 8,063,000 | 9,017,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 157,197,000 | 156,821,000 | 155,430,000 | 160,673,000 |
| Interest-bearing deposits | 139,378,000 | 138,789,000 | 138,623,000 | 142,844,000 |
| Noninterest-bearing deposits | 17,819,000 | 18,032,000 | 16,807,000 | 17,829,000 |
| Equity capital | 17,934,000 | 17,985,000 | 18,075,000 | 18,082,000 |
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 | 1,548,000 | 3,079,000 | 4,624,000 | 6,180,000 |
| Interest expense | 80,000 | 157,000 | 239,000 | 335,000 |
| Net interest income | 1,468,000 | 2,922,000 | 4,385,000 | 5,845,000 |
| Noninterest income | 250,000 | 498,000 | 795,000 | 1,049,000 |
| Noninterest expense | 1,620,000 | 3,250,000 | 4,909,000 | 6,582,000 |
| Provision for loan losses | 8,000 | 9,000 | 10,000 | 32,000 |
| Pretax income | 90,000 | 161,000 | 261,000 | 280,000 |
| Income tax | 15,000 | 25,000 | 46,000 | 33,000 |
| Net income | 75,000 | 136,000 | 215,000 | 247,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,021,000 | 19,082,000 | 19,161,000 | 19,194,000 |
| Total capital | 19,924,000 | 19,985,000 | 20,064,000 | 20,116,000 |
| Risk-weighted assets | 114,262,000 | 115,290,000 | 117,119,000 | 120,142,000 |