Call reports 2014
MELROSE BANK — 2014
What MELROSE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 192,793,000 | 194,677,000 | 212,690,000 | 209,910,000 |
| Total loans | 131,886,000 | 131,230,000 | 132,819,000 | 134,443,000 |
| Allowance for loan losses | 512,000 | 519,000 | 519,000 | 519,000 |
| Securities available for sale | 41,234,000 | 40,362,000 | 40,462,000 | 38,908,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 170,975,000 | 172,190,000 | 190,050,000 | 173,919,000 |
| Interest-bearing deposits | 159,535,000 | 160,529,000 | 156,964,000 | 153,795,000 |
| Noninterest-bearing deposits | 11,440,000 | 11,661,000 | 33,086,000 | 20,124,000 |
| Equity capital | 21,028,000 | 21,518,000 | 21,629,000 | 32,595,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,342,000 | 2,675,000 | 4,005,000 | 5,417,000 |
| Interest expense | 327,000 | 638,000 | 945,000 | 1,267,000 |
| Net interest income | 1,015,000 | 2,037,000 | 3,060,000 | 4,150,000 |
| Noninterest income | 58,000 | 114,000 | 158,000 | 269,000 |
| Noninterest expense | 843,000 | 1,612,000 | 2,450,000 | 3,417,000 |
| Provision for loan losses | 3,000 | 10,000 | 10,000 | 10,000 |
| Pretax income | 227,000 | 529,000 | 758,000 | 992,000 |
| Income tax | 68,000 | 168,000 | 237,000 | 296,000 |
| Net income | 159,000 | 361,000 | 521,000 | 696,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,163,000 | 20,365,000 | 20,525,000 | 31,364,000 |
| Total capital | 21,456,000 | 21,814,000 | 21,958,000 | 32,874,000 |
| Risk-weighted assets | 118,229,000 | 117,673,000 | 120,418,000 | 119,395,000 |