Call reports 2015
MARBLEHEAD BANK, THE — 2015
What MARBLEHEAD BANK, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 45,309,000 | 44,832,000 | 46,940,000 | 46,120,000 |
| Total loans | 14,114,000 | 14,646,000 | 15,448,000 | 16,471,000 |
| Allowance for loan losses | 169,000 | 171,000 | 173,000 | 174,000 |
| Securities available for sale | 28,092,000 | 28,163,000 | 29,444,000 | 28,339,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,690,000 | 39,612,000 | 41,842,000 | 40,409,000 |
| Interest-bearing deposits | 32,410,000 | 31,296,000 | 33,316,000 | 32,634,000 |
| Noninterest-bearing deposits | 7,280,000 | 8,316,000 | 8,526,000 | 7,775,000 |
| Equity capital | 4,455,000 | 4,355,000 | 4,476,000 | 4,562,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 314,000 | 624,000 | 953,000 | 1,304,000 |
| Interest expense | 22,000 | 44,000 | 66,000 | 90,000 |
| Net interest income | 292,000 | 580,000 | 887,000 | 1,214,000 |
| Noninterest income | 25,000 | 59,000 | 100,000 | 129,000 |
| Noninterest expense | 269,000 | 540,000 | 825,000 | 1,107,000 |
| Provision for loan losses | 1,000 | 3,000 | 5,000 | 6,000 |
| Pretax income | 57,000 | 130,000 | 191,000 | 254,000 |
| Income tax | 11,000 | 20,000 | 20,000 | 4,000 |
| Net income | 46,000 | 110,000 | 171,000 | 250,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,443,000 | 4,507,000 | 4,568,000 | 4,598,000 |
| Total capital | 4,612,000 | 4,678,000 | 4,741,000 | 4,772,000 |
| Risk-weighted assets | 16,586,000 | 16,231,000 | 17,000,000 | 17,363,000 |