Call reports 2018
MELROSE BANK — 2018
What MELROSE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 307,303,000 | 316,319,000 | 318,477,000 | 318,912,000 |
| Total loans | 252,898,000 | 263,443,000 | 263,640,000 | 269,551,000 |
| Allowance for loan losses | 1,175,000 | 1,306,000 | 1,360,000 | 1,324,000 |
| Securities available for sale | 24,173,000 | 24,272,000 | 24,147,000 | 23,359,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 229,101,000 | 237,934,000 | 242,468,000 | 244,591,000 |
| Interest-bearing deposits | 209,263,000 | 213,199,000 | 220,685,000 | 224,428,000 |
| Noninterest-bearing deposits | 19,838,000 | 24,735,000 | 21,783,000 | 20,163,000 |
| Equity capital | 36,308,000 | 36,636,000 | 37,033,000 | 37,475,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 2,493,000 | 5,124,000 | 7,905,000 | 10,740,000 |
| Interest expense | 661,000 | 1,474,000 | 2,445,000 | 3,508,000 |
| Net interest income | 1,832,000 | 3,650,000 | 5,460,000 | 7,232,000 |
| Noninterest income | 57,000 | 102,000 | 146,000 | 253,000 |
| Noninterest expense | 1,247,000 | 2,570,000 | 3,831,000 | 5,243,000 |
| Provision for loan losses | 40,000 | 171,000 | 225,000 | 189,000 |
| Pretax income | 724,000 | 1,266,000 | 1,908,000 | 2,562,000 |
| Income tax | 190,000 | 316,000 | 477,000 | 625,000 |
| Net income | 534,000 | 950,000 | 1,431,000 | 1,937,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,315,000 | 36,767,000 | 37,286,000 | 37,828,000 |
| Total capital | 37,648,000 | 38,179,000 | 38,714,000 | 39,152,000 |
| Risk-weighted assets | 204,427,000 | 212,579,000 | 224,138,000 | 219,226,000 |