Call reports 2019
MELROSE BANK — 2019
What MELROSE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 322,297,000 | 337,645,000 | 336,852,000 | 336,877,000 |
| Total loans | 268,655,000 | 274,270,000 | 281,443,000 | 287,812,000 |
| Allowance for loan losses | 1,355,000 | 1,419,000 | 1,498,000 | 1,593,000 |
| Securities available for sale | 22,301,000 | 21,364,000 | 19,354,000 | 20,393,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 257,354,000 | 265,295,000 | 273,047,000 | 272,791,000 |
| Interest-bearing deposits | 235,594,000 | 243,131,000 | 251,175,000 | 250,375,000 |
| Noninterest-bearing deposits | 21,760,000 | 22,164,000 | 21,872,000 | 22,416,000 |
| Equity capital | 34,200,000 | 30,623,000 | 30,951,000 | 30,780,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,888,000 | 5,886,000 | 8,993,000 | 12,074,000 |
| Interest expense | 1,132,000 | 2,361,000 | 3,714,000 | 5,018,000 |
| Net interest income | 1,756,000 | 3,525,000 | 5,279,000 | 7,056,000 |
| Noninterest income | 54,000 | 105,000 | 179,000 | 308,000 |
| Noninterest expense | 1,434,000 | 2,855,000 | 4,290,000 | 6,304,000 |
| Provision for loan losses | 31,000 | 96,000 | 175,000 | 270,000 |
| Pretax income | 473,000 | 840,000 | 1,164,000 | 973,000 |
| Income tax | 114,000 | 187,000 | 270,000 | 282,000 |
| Net income | 359,000 | 653,000 | 894,000 | 691,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,195,000 | 30,524,000 | 30,798,000 | 30,663,000 |
| Total capital | 35,550,000 | 31,970,000 | 32,320,000 | 32,281,000 |
| Risk-weighted assets | 215,190,000 | 212,944,000 | 222,295,000 | 233,424,000 |