Call reports 2005
MARBLEHEAD BANK, THE — 2005
What MARBLEHEAD BANK, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 26,753,000 | 27,753,000 | 29,036,000 | 28,639,000 |
| Total loans | 10,070,000 | 9,869,000 | 10,314,000 | 11,077,000 |
| Allowance for loan losses | 88,000 | 90,000 | 91,000 | 93,000 |
| Securities available for sale | 7,356,000 | 9,873,000 | 10,862,000 | 10,450,000 |
| Securities held to maturity | 5,771,000 | 5,734,000 | 5,562,000 | 5,208,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,020,000 | 24,943,000 | 26,183,000 | 25,947,000 |
| Interest-bearing deposits | 19,669,000 | 19,466,000 | 21,219,000 | 21,327,000 |
| Noninterest-bearing deposits | 4,351,000 | 5,477,000 | 4,964,000 | 4,620,000 |
| Equity capital | 2,684,000 | 2,762,000 | 2,797,000 | 2,623,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 270,000 | 573,000 | 902,000 | 1,245,000 |
| Interest expense | 36,000 | 97,000 | 165,000 | 243,000 |
| Net interest income | 234,000 | 476,000 | 737,000 | 1,002,000 |
| Noninterest income | 33,000 | 72,000 | 119,000 | 156,000 |
| Noninterest expense | 237,000 | 469,000 | 706,000 | 929,000 |
| Provision for loan losses | 1,000 | 3,000 | 4,000 | 6,000 |
| Pretax income | 34,000 | 81,000 | 150,000 | 227,000 |
| Income tax | 0 | 0 | 0 | 2,000 |
| Net income | 34,000 | 81,000 | 150,000 | 225,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,761,000 | 2,807,000 | 2,877,000 | 2,752,000 |
| Total capital | 2,849,000 | 2,897,000 | 2,968,000 | 2,845,000 |
| Risk-weighted assets | 15,252,000 | 15,391,000 | 15,679,000 | 16,805,000 |