Call reports 2008
MELROSE BANK — 2008
What MELROSE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 119,579,000 | 121,132,000 | 119,542,000 | 121,868,000 |
| Total loans | 82,675,000 | 83,050,000 | 85,655,000 | 86,691,000 |
| Allowance for loan losses | 463,000 | 340,000 | 356,000 | 288,000 |
| Securities available for sale | 20,818,000 | 19,725,000 | 17,553,000 | 17,360,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,821,000 | 105,375,000 | 103,991,000 | 106,445,000 |
| Interest-bearing deposits | 5,374,000 | 99,829,000 | 98,861,000 | 101,871,000 |
| Noninterest-bearing deposits | 98,447,000 | 5,546,000 | 5,130,000 | 4,574,000 |
| Equity capital | 15,712,000 | 15,730,000 | 15,523,000 | 15,365,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,405,000 | 2,724,000 | 4,058,000 | 5,373,000 |
| Interest expense | 757,000 | 1,469,000 | 2,104,000 | 2,714,000 |
| Net interest income | 648,000 | 1,255,000 | 1,954,000 | 2,659,000 |
| Noninterest income | 65,000 | 133,000 | 201,000 | 294,000 |
| Noninterest expense | 532,000 | 1,118,000 | 1,663,000 | 2,302,000 |
| Provision for loan losses | 0 | 0 | 15,000 | 127,000 |
| Pretax income | 181,000 | 270,000 | 477,000 | 524,000 |
| Income tax | 50,000 | 66,000 | 125,000 | 119,000 |
| Net income | 131,000 | 204,000 | 352,000 | 405,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,611,000 | 15,684,000 | 15,832,000 | 15,741,000 |
| Total capital | 16,200,000 | 16,134,000 | 16,232,000 | 16,029,000 |
| Risk-weighted assets | 72,222,000 | 72,356,000 | 70,651,000 | 72,079,000 |