Call reports 2016
MELROSE BANK — 2016
What MELROSE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 236,929,000 | 252,482,000 | 262,278,000 | 264,190,000 |
| Total loans | 168,912,000 | 188,328,000 | 206,444,000 | 214,127,000 |
| Allowance for loan losses | 639,000 | 742,000 | 859,000 | 890,000 |
| Securities available for sale | 40,109,000 | 31,529,000 | 28,861,000 | 28,852,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 200,169,000 | 215,419,000 | 219,827,000 | 216,808,000 |
| Interest-bearing deposits | 180,462,000 | 197,060,000 | 198,643,000 | 197,244,000 |
| Noninterest-bearing deposits | 19,707,000 | 18,359,000 | 21,184,000 | 19,564,000 |
| Equity capital | 33,680,000 | 34,016,000 | 34,304,000 | 34,399,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,672,000 | 3,419,000 | 5,307,000 | 7,336,000 |
| Interest expense | 378,000 | 789,000 | 1,233,000 | 1,704,000 |
| Net interest income | 1,294,000 | 2,630,000 | 4,074,000 | 5,632,000 |
| Noninterest income | 44,000 | 86,000 | 127,000 | 226,000 |
| Noninterest expense | 1,038,000 | 2,185,000 | 3,192,000 | 4,281,000 |
| Provision for loan losses | 60,000 | 163,000 | 280,000 | 311,000 |
| Pretax income | 240,000 | 661,000 | 1,301,000 | 2,269,000 |
| Income tax | 73,000 | 216,000 | 452,000 | 798,000 |
| Net income | 167,000 | 445,000 | 849,000 | 1,471,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,256,000 | 32,562,000 | 32,995,000 | 33,648,000 |
| Total capital | 33,885,000 | 34,224,000 | 34,720,000 | 35,236,000 |
| Risk-weighted assets | 140,367,000 | 149,665,000 | 157,878,000 | 168,285,000 |