Call reports 2005
MELROSE BANK — 2005
What MELROSE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 114,652,000 | 114,863,000 | 112,336,000 | 111,044,000 |
| Total loans | 69,805,000 | 70,641,000 | 72,262,000 | 74,179,000 |
| Allowance for loan losses | 468,000 | 468,000 | 468,000 | 465,000 |
| Securities available for sale | 30,127,000 | 26,722,000 | 24,338,000 | 24,509,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,779,000 | 100,694,000 | 98,058,000 | 96,689,000 |
| Interest-bearing deposits | 95,787,000 | 94,764,000 | 91,995,000 | 91,631,000 |
| Noninterest-bearing deposits | 4,992,000 | 5,930,000 | 6,063,000 | 5,058,000 |
| Equity capital | 13,794,000 | 14,118,000 | 14,227,000 | 14,309,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,119,000 | 2,280,000 | 3,447,000 | 4,682,000 |
| Interest expense | 450,000 | 904,000 | 1,400,000 | 1,943,000 |
| Net interest income | 669,000 | 1,376,000 | 2,047,000 | 2,739,000 |
| Noninterest income | 48,000 | 96,000 | 153,000 | 196,000 |
| Noninterest expense | 506,000 | 1,037,000 | 1,538,000 | 2,098,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 211,000 | 435,000 | 662,000 | 837,000 |
| Income tax | 59,000 | 138,000 | 196,000 | 242,000 |
| Net income | 152,000 | 297,000 | 466,000 | 595,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,965,000 | 14,110,000 | 14,278,000 | 14,408,000 |
| Total capital | 14,477,000 | 14,632,000 | 14,354,000 | 14,959,000 |
| Risk-weighted assets | 71,941,000 | 69,870,000 | 67,746,000 | 68,739,000 |