Call reports 2017
MELROSE BANK — 2017
What MELROSE BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 271,538,000 | 289,473,000 | 293,851,000 | 302,857,000 |
| Total loans | 220,284,000 | 233,513,000 | 235,786,000 | 252,493,000 |
| Allowance for loan losses | 870,000 | 981,000 | 983,000 | 1,134,000 |
| Securities available for sale | 28,113,000 | 27,598,000 | 26,030,000 | 23,261,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 220,518,000 | 225,256,000 | 229,072,000 | 234,963,000 |
| Interest-bearing deposits | 200,613,000 | 202,036,000 | 209,167,000 | 214,798,000 |
| Noninterest-bearing deposits | 19,905,000 | 23,220,000 | 19,905,000 | 20,165,000 |
| Equity capital | 34,899,000 | 35,310,000 | 35,801,000 | 35,997,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 2,021,000 | 4,186,000 | 6,505,000 | 8,896,000 |
| Interest expense | 483,000 | 995,000 | 1,603,000 | 2,245,000 |
| Net interest income | 1,538,000 | 3,191,000 | 4,902,000 | 6,651,000 |
| Noninterest income | 42,000 | 88,000 | 194,000 | 248,000 |
| Noninterest expense | 1,149,000 | 2,333,000 | 3,559,000 | 4,810,000 |
| Provision for loan losses | -20,000 | 91,000 | 93,000 | 244,000 |
| Pretax income | 915,000 | 1,662,000 | 2,639,000 | 3,230,000 |
| Income tax | 350,000 | 635,000 | 949,000 | 1,226,000 |
| Net income | 565,000 | 1,027,000 | 1,690,000 | 2,004,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,246,000 | 34,740,000 | 35,437,000 | 35,743,000 |
| Total capital | 35,681,000 | 36,161,000 | 36,714,000 | 37,097,000 |
| Risk-weighted assets | 173,446,000 | 185,183,000 | 187,211,000 | 187,588,000 |