Call reports 2010
MELROSE BANK — 2010
What MELROSE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 150,270,000 | 150,816,000 | 155,508,000 | 165,340,000 |
| Total loans | 98,851,000 | 102,709,000 | 108,055,000 | 110,399,000 |
| Allowance for loan losses | 337,000 | 375,000 | 405,000 | 439,000 |
| Securities available for sale | 19,848,000 | 21,123,000 | 21,847,000 | 22,966,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,536,000 | 134,030,000 | 137,985,000 | 147,630,000 |
| Interest-bearing deposits | 126,056,000 | 128,006,000 | 132,055,000 | 141,391,000 |
| Noninterest-bearing deposits | 7,480,000 | 6,024,000 | 5,930,000 | 6,239,000 |
| Equity capital | 16,539,000 | 16,526,000 | 17,070,000 | 17,276,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,280,000 | 2,611,000 | 4,001,000 | 5,479,000 |
| Interest expense | 473,000 | 919,000 | 1,343,000 | 1,792,000 |
| Net interest income | 807,000 | 1,692,000 | 2,658,000 | 3,687,000 |
| Noninterest income | 66,000 | 142,000 | 204,000 | 303,000 |
| Noninterest expense | 605,000 | 1,274,000 | 1,962,000 | 2,616,000 |
| Provision for loan losses | 32,000 | 70,000 | 114,000 | 149,000 |
| Pretax income | 236,000 | 490,000 | 786,000 | 1,225,000 |
| Income tax | 73,000 | 153,000 | 253,000 | 410,000 |
| Net income | 163,000 | 337,000 | 533,000 | 815,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,445,000 | 16,619,000 | 16,816,000 | 17,097,000 |
| Total capital | 16,909,000 | 17,003,000 | 17,371,000 | 17,731,000 |
| Risk-weighted assets | 81,704,000 | 84,861,000 | 89,976,000 | 92,030,000 |