Call reports 2004
MELROSE BANK — 2004
What MELROSE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 114,580,000 | 117,463,000 | 115,202,000 | 116,381,000 |
| Total loans | 60,731,000 | 63,581,000 | 68,483,000 | 67,675,000 |
| Allowance for loan losses | 471,000 | 471,000 | 469,000 | 468,000 |
| Securities available for sale | 35,262,000 | 32,516,000 | 31,615,000 | 31,950,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,292,000 | 103,983,000 | 101,373,000 | 102,442,000 |
| Interest-bearing deposits | 95,144,000 | 97,535,000 | 95,501,000 | 97,267,000 |
| Noninterest-bearing deposits | 4,148,000 | 6,448,000 | 5,872,000 | 5,175,000 |
| Equity capital | 13,796,000 | 13,394,000 | 13,806,000 | 13,915,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,097,000 | 2,173,000 | 3,271,000 | 4,364,000 |
| Interest expense | 451,000 | 885,000 | 1,319,000 | 1,779,000 |
| Net interest income | 646,000 | 1,288,000 | 1,952,000 | 2,585,000 |
| Noninterest income | 56,000 | 105,000 | 173,000 | 226,000 |
| Noninterest expense | 535,000 | 1,014,000 | 1,517,000 | 2,059,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 167,000 | 379,000 | 608,000 | 752,000 |
| Income tax | 57,000 | 115,000 | 178,000 | 229,000 |
| Net income | 110,000 | 264,000 | 430,000 | 523,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,399,000 | 13,553,000 | 13,719,000 | 13,812,000 |
| Total capital | 13,887,000 | 14,039,000 | 14,202,000 | 14,339,000 |
| Risk-weighted assets | 71,183,000 | 71,194,000 | 72,346,000 | 72,569,000 |