Call reports 2003
MELROSE BANK — 2003
What MELROSE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 105,078,000 | 108,853,000 | 115,002,000 | 112,673,000 |
| Total loans | 59,824,000 | 59,070,000 | 58,312,000 | 61,466,000 |
| Allowance for loan losses | 475,000 | 475,000 | 475,000 | 471,000 |
| Securities available for sale | 27,189,000 | 29,266,000 | 29,196,000 | 31,441,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,758,000 | 94,909,000 | 101,432,000 | 98,988,000 |
| Interest-bearing deposits | 87,299,000 | 88,997,000 | 94,123,000 | 94,165,000 |
| Noninterest-bearing deposits | 4,459,000 | 5,912,000 | 7,309,000 | 4,823,000 |
| Equity capital | 13,024,000 | 13,529,000 | 13,444,000 | 13,596,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,290,000 | 2,510,000 | 3,698,000 | 4,751,000 |
| Interest expense | 509,000 | 997,000 | 1,476,000 | 1,934,000 |
| Net interest income | 781,000 | 1,513,000 | 2,222,000 | 2,817,000 |
| Noninterest income | 31,000 | 102,000 | 125,000 | 276,000 |
| Noninterest expense | 492,000 | 961,000 | 1,460,000 | 1,990,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 320,000 | 654,000 | 887,000 | 1,103,000 |
| Income tax | 132,000 | 167,000 | 253,000 | 320,000 |
| Net income | 188,000 | 487,000 | 634,000 | 783,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,694,000 | 12,993,000 | 13,140,000 | 13,289,000 |
| Total capital | 13,169,000 | 13,468,000 | 13,615,000 | 13,771,000 |
| Risk-weighted assets | 59,158,000 | 60,823,000 | 64,316,000 | 65,474,000 |