Call reports 2001
MELROSE BANK — 2001
What MELROSE BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 96,539,000 | 100,221,000 | 102,481,000 | 98,465,000 |
| Total loans | 54,804,000 | 55,557,000 | 55,867,000 | 55,831,000 |
| Allowance for loan losses | 487,000 | 487,000 | 485,000 | 481,000 |
| Securities available for sale | 23,312,000 | 20,991,000 | 28,019,000 | 28,662,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,709,000 | 86,410,000 | 87,481,000 | 82,782,000 |
| Interest-bearing deposits | 81,931,000 | 83,001,000 | 83,590,000 | 79,963,000 |
| Noninterest-bearing deposits | 2,778,000 | 3,409,000 | 3,891,000 | 2,819,000 |
| Equity capital | 11,559,000 | 11,650,000 | 12,031,000 | 12,000,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,555,000 | 3,045,000 | 4,502,000 | 5,884,000 |
| Interest expense | 923,000 | 1,828,000 | 2,697,000 | 3,456,000 |
| Net interest income | 632,000 | 1,217,000 | 1,805,000 | 2,428,000 |
| Noninterest income | 22,000 | 48,000 | 75,000 | 127,000 |
| Noninterest expense | 449,000 | 902,000 | 1,375,000 | 1,840,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 205,000 | 363,000 | 505,000 | 715,000 |
| Income tax | 89,000 | 159,000 | 146,000 | 236,000 |
| Net income | 116,000 | 204,000 | 359,000 | 479,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,458,000 | 11,546,000 | 11,701,000 | 11,821,000 |
| Total capital | 11,945,000 | 12,033,000 | 12,186,000 | 12,302,000 |
| Risk-weighted assets | 50,370,000 | 52,800,000 | 56,714,000 | 56,069,000 |