Call reports 2012
MELROSE BANK — 2012
What MELROSE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 176,417,000 | 180,362,000 | 181,780,000 | 185,613,000 |
| Total loans | 119,021,000 | 123,093,000 | 122,894,000 | 126,237,000 |
| Allowance for loan losses | 439,000 | 452,000 | 467,000 | 474,000 |
| Securities available for sale | 35,484,000 | 36,144,000 | 36,677,000 | 37,234,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 156,886,000 | 160,719,000 | 161,537,000 | 165,301,000 |
| Interest-bearing deposits | 149,320,000 | 150,761,000 | 151,353,000 | 155,289,000 |
| Noninterest-bearing deposits | 7,566,000 | 9,958,000 | 10,184,000 | 10,012,000 |
| Equity capital | 18,966,000 | 19,223,000 | 19,651,000 | 19,837,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,440,000 | 2,867,000 | 4,277,000 | 5,739,000 |
| Interest expense | 338,000 | 666,000 | 1,007,000 | 1,369,000 |
| Net interest income | 1,102,000 | 2,201,000 | 3,270,000 | 4,370,000 |
| Noninterest income | 81,000 | 144,000 | 215,000 | 381,000 |
| Noninterest expense | 710,000 | 1,408,000 | 2,195,000 | 2,958,000 |
| Provision for loan losses | 0 | 13,000 | 28,000 | 35,000 |
| Pretax income | 473,000 | 924,000 | 1,298,000 | 1,794,000 |
| Income tax | 165,000 | 321,000 | 453,000 | 600,000 |
| Net income | 308,000 | 603,000 | 845,000 | 1,194,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,390,000 | 18,684,000 | 18,926,000 | 19,275,000 |
| Total capital | 19,225,000 | 19,477,000 | 19,850,000 | 20,127,000 |
| Risk-weighted assets | 106,491,000 | 104,773,000 | 109,915,000 | 113,363,000 |