Call reports 2015
MELROSE BANK — 2015
What MELROSE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 209,877,000 | 213,484,000 | 219,120,000 | 226,240,000 |
| Total loans | 135,366,000 | 141,418,000 | 151,399,000 | 160,927,000 |
| Allowance for loan losses | 519,000 | 529,000 | 564,000 | 579,000 |
| Securities available for sale | 41,580,000 | 41,614,000 | 41,388,000 | 41,307,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,579,000 | 177,410,000 | 182,947,000 | 189,845,000 |
| Interest-bearing deposits | 152,349,000 | 158,032,000 | 162,890,000 | 171,169,000 |
| Noninterest-bearing deposits | 21,230,000 | 19,378,000 | 20,057,000 | 18,676,000 |
| Equity capital | 32,882,000 | 32,865,000 | 32,977,000 | 33,247,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,359,000 | 2,751,000 | 4,257,000 | 5,820,000 |
| Interest expense | 316,000 | 649,000 | 995,000 | 1,343,000 |
| Net interest income | 1,043,000 | 2,102,000 | 3,262,000 | 4,477,000 |
| Noninterest income | 40,000 | 86,000 | 187,000 | 285,000 |
| Noninterest expense | 913,000 | 1,840,000 | 2,812,000 | 3,822,000 |
| Provision for loan losses | 0 | 10,000 | 45,000 | 60,000 |
| Pretax income | 171,000 | 370,000 | 624,000 | 828,000 |
| Income tax | 53,000 | 119,000 | 193,000 | 238,000 |
| Net income | 118,000 | 251,000 | 431,000 | 590,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,507,000 | 31,667,000 | 31,874,000 | 32,061,000 |
| Total capital | 33,058,000 | 33,169,000 | 33,261,000 | 33,560,000 |
| Risk-weighted assets | 116,800,000 | 117,245,000 | 130,815,000 | 135,491,000 |