Call reports 2002
MELROSE BANK — 2002
What MELROSE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 101,733,000 | 101,533,000 | 102,584,000 | 105,599,000 |
| Total loans | 59,298,000 | 59,636,000 | 60,940,000 | 62,357,000 |
| Allowance for loan losses | 475,000 | 475,000 | 475,000 | 475,000 |
| Securities available for sale | 25,491,000 | 24,226,000 | 24,228,000 | 24,507,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,129,000 | 85,558,000 | 89,733,000 | 92,424,000 |
| Interest-bearing deposits | 82,494,000 | 81,154,000 | 85,035,000 | 87,809,000 |
| Noninterest-bearing deposits | 3,635,000 | 4,404,000 | 4,698,000 | 4,615,000 |
| Equity capital | 12,014,000 | 12,299,000 | 12,641,000 | 12,871,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,362,000 | 2,658,000 | 3,978,000 | 5,290,000 |
| Interest expense | 686,000 | 1,288,000 | 1,875,000 | 2,439,000 |
| Net interest income | 676,000 | 1,370,000 | 2,103,000 | 2,851,000 |
| Noninterest income | 29,000 | 47,000 | 68,000 | 138,000 |
| Noninterest expense | 474,000 | 931,000 | 1,419,000 | 1,907,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 231,000 | 486,000 | 752,000 | 1,082,000 |
| Income tax | 99,000 | 204,000 | 268,000 | 402,000 |
| Net income | 132,000 | 282,000 | 484,000 | 680,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,953,000 | 12,103,000 | 12,310,000 | 12,506,000 |
| Total capital | 12,428,000 | 12,578,000 | 12,785,000 | 12,981,000 |
| Risk-weighted assets | 56,133,000 | 56,084,000 | 55,604,000 | 57,790,000 |