Call reports 2006
MELROSE BANK — 2006
What MELROSE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 117,218,000 | 116,344,000 | 117,327,000 | 120,192,000 |
| Total loans | 75,781,000 | 79,470,000 | 82,947,000 | 82,782,000 |
| Allowance for loan losses | 460,000 | 460,000 | 459,000 | 459,000 |
| Securities available for sale | 24,746,000 | 22,043,000 | 22,664,000 | 23,088,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,651,000 | 101,802,000 | 102,371,000 | 104,988,000 |
| Interest-bearing deposits | 96,477,000 | 93,317,000 | 97,010,000 | 100,000,000 |
| Noninterest-bearing deposits | 6,174,000 | 8,485,000 | 5,361,000 | 4,988,000 |
| Equity capital | 14,479,000 | 14,491,000 | 14,912,000 | 15,142,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,269,000 | 2,579,000 | 3,962,000 | 5,404,000 |
| Interest expense | 546,000 | 1,148,000 | 1,862,000 | 2,664,000 |
| Net interest income | 723,000 | 1,431,000 | 2,100,000 | 2,740,000 |
| Noninterest income | 48,000 | 98,000 | 152,000 | 234,000 |
| Noninterest expense | 522,000 | 1,068,000 | 1,571,000 | 2,163,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 249,000 | 461,000 | 681,000 | 811,000 |
| Income tax | 73,000 | 132,000 | 192,000 | 206,000 |
| Net income | 176,000 | 329,000 | 489,000 | 605,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,584,000 | 14,737,000 | 14,897,000 | 15,013,000 |
| Total capital | 15,162,000 | 15,299,000 | 15,488,000 | 15,651,000 |
| Risk-weighted assets | 70,224,000 | 70,203,000 | 70,935,000 | 71,729,000 |