Call reports 2007
MARBLEHEAD BANK, THE — 2007
What MARBLEHEAD BANK, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 30,095,000 | 31,555,000 | 30,694,000 | 29,572,000 |
| Total loans | 12,958,000 | 12,845,000 | 12,543,000 | 12,278,000 |
| Allowance for loan losses | 100,000 | 106,000 | 109,000 | 112,000 |
| Securities available for sale | 9,184,000 | 9,198,000 | 9,521,000 | 9,897,000 |
| Securities held to maturity | 4,814,000 | 4,796,000 | 4,777,000 | 4,722,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,195,000 | 28,678,000 | 27,647,000 | 26,589,000 |
| Interest-bearing deposits | 23,202,000 | 22,962,000 | 23,126,000 | 22,614,000 |
| Noninterest-bearing deposits | 3,993,000 | 5,716,000 | 4,521,000 | 3,975,000 |
| Equity capital | 2,795,000 | 2,794,000 | 2,940,000 | 2,865,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 401,000 | 818,000 | 1,243,000 | 1,656,000 |
| Interest expense | 128,000 | 267,000 | 400,000 | 532,000 |
| Net interest income | 273,000 | 551,000 | 843,000 | 1,124,000 |
| Noninterest income | 28,000 | 60,000 | 98,000 | 129,000 |
| Noninterest expense | 255,000 | 504,000 | 745,000 | 982,000 |
| Provision for loan losses | 4,000 | 7,000 | 10,000 | 13,000 |
| Pretax income | 42,000 | 100,000 | 186,000 | 258,000 |
| Income tax | 0 | 4,000 | 17,000 | 18,000 |
| Net income | 42,000 | 96,000 | 169,000 | 240,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,860,000 | 2,914,000 | 2,987,000 | 2,858,000 |
| Total capital | 2,960,000 | 3,020,000 | 3,096,000 | 2,970,000 |
| Risk-weighted assets | 17,577,000 | 18,253,000 | 17,719,000 | 17,350,000 |