Call reports 2007
MELROSE BANK — 2007
What MELROSE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 121,615,000 | 124,311,000 | 120,904,000 | 118,865,000 |
| Total loans | 84,015,000 | 83,220,000 | 83,086,000 | 83,416,000 |
| Allowance for loan losses | 460,000 | 460,000 | 462,000 | 463,000 |
| Securities available for sale | 23,414,000 | 23,649,000 | 22,461,000 | 20,539,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,241,000 | 108,834,000 | 105,226,000 | 103,290,000 |
| Interest-bearing deposits | 101,176,000 | 103,358,000 | 99,816,000 | 98,912,000 |
| Noninterest-bearing deposits | 5,065,000 | 5,476,000 | 5,410,000 | 4,378,000 |
| Equity capital | 15,315,000 | 15,412,000 | 15,589,000 | 15,533,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,476,000 | 2,976,000 | 4,473,000 | 5,949,000 |
| Interest expense | 823,000 | 1,674,000 | 2,545,000 | 3,409,000 |
| Net interest income | 653,000 | 1,302,000 | 1,928,000 | 2,540,000 |
| Noninterest income | 69,000 | 123,000 | 192,000 | 278,000 |
| Noninterest expense | 539,000 | 1,091,000 | 1,605,000 | 2,195,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 183,000 | 334,000 | 515,000 | 623,000 |
| Income tax | 48,000 | 83,000 | 130,000 | 157,000 |
| Net income | 135,000 | 251,000 | 385,000 | 466,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,148,000 | 15,265,000 | 15,398,000 | 15,479,000 |
| Total capital | 15,793,000 | 15,955,000 | 16,103,000 | 16,149,000 |
| Risk-weighted assets | 72,470,000 | 71,783,000 | 70,526,000 | 72,562,000 |