Call reports 2009
MELROSE BANK — 2009
What MELROSE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 129,564,000 | 136,345,000 | 140,461,000 | 144,750,000 |
| Total loans | 89,067,000 | 89,483,000 | 91,337,000 | 95,421,000 |
| Allowance for loan losses | 273,000 | 299,000 | 299,000 | 305,000 |
| Securities available for sale | 16,861,000 | 18,030,000 | 18,817,000 | 19,161,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,458,000 | 120,620,000 | 124,312,000 | 128,390,000 |
| Interest-bearing deposits | 109,142,000 | 115,298,000 | 119,385,000 | 122,540,000 |
| Noninterest-bearing deposits | 5,316,000 | 5,322,000 | 4,927,000 | 5,850,000 |
| Equity capital | 15,058,000 | 15,561,000 | 15,987,000 | 16,213,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,263,000 | 2,524,000 | 3,742,000 | 4,992,000 |
| Interest expense | 585,000 | 1,149,000 | 1,710,000 | 2,228,000 |
| Net interest income | 678,000 | 1,375,000 | 2,032,000 | 2,764,000 |
| Noninterest income | 73,000 | 151,000 | 229,000 | 308,000 |
| Noninterest expense | 591,000 | 1,327,000 | 1,894,000 | 2,515,000 |
| Provision for loan losses | 15,000 | 27,000 | 27,000 | 33,000 |
| Pretax income | 145,000 | 172,000 | 340,000 | 524,000 |
| Income tax | 36,000 | 34,000 | 78,000 | 127,000 |
| Net income | 109,000 | 138,000 | 262,000 | 397,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,620,000 | 15,907,000 | 16,147,000 | 16,282,000 |
| Total capital | 15,893,000 | 16,206,000 | 16,468,000 | 16,656,000 |
| Risk-weighted assets | 76,728,000 | 77,161,000 | 77,219,000 | 79,306,000 |