Call reports 2011
MELROSE BANK — 2011
What MELROSE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 172,062,000 | 174,866,000 | 178,753,000 | 179,300,000 |
| Total loans | 111,719,000 | 114,011,000 | 114,194,000 | 115,089,000 |
| Allowance for loan losses | 439,000 | 439,000 | 439,000 | 439,000 |
| Securities available for sale | 25,405,000 | 26,685,000 | 30,046,000 | 34,438,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,098,000 | 156,556,000 | 160,970,000 | 160,875,000 |
| Interest-bearing deposits | 147,535,000 | 148,957,000 | 153,263,000 | 152,844,000 |
| Noninterest-bearing deposits | 6,563,000 | 7,599,000 | 7,707,000 | 8,031,000 |
| Equity capital | 17,644,000 | 17,933,000 | 17,661,000 | 18,142,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,387,000 | 2,771,000 | 4,169,000 | 5,709,000 |
| Interest expense | 465,000 | 921,000 | 1,359,000 | 1,725,000 |
| Net interest income | 922,000 | 1,850,000 | 2,810,000 | 3,984,000 |
| Noninterest income | 64,000 | 125,000 | 195,000 | 295,000 |
| Noninterest expense | 717,000 | 1,404,000 | 2,125,000 | 2,782,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 269,000 | 571,000 | 880,000 | 1,497,000 |
| Income tax | 87,000 | 187,000 | 289,000 | 513,000 |
| Net income | 182,000 | 384,000 | 591,000 | 984,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,279,000 | 17,481,000 | 17,688,000 | 18,081,000 |
| Total capital | 18,019,000 | 18,244,000 | 18,217,000 | 18,698,000 |
| Risk-weighted assets | 98,779,000 | 96,212,000 | 99,886,000 | 100,636,000 |