Call reports 2009
MEMORIAL CITY BANK — 2009
What MEMORIAL CITY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 92,373,000 | 101,703,000 | 131,653,000 | 138,474,000 |
| Total loans | 65,618,000 | 87,380,000 | 93,093,000 | 99,503,000 |
| Allowance for loan losses | 637,000 | 887,000 | 1,050,000 | 1,060,000 |
| Securities available for sale | 0 | 0 | 13,485,000 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,288,000 | 82,582,000 | 112,835,000 | 119,434,000 |
| Interest-bearing deposits | 58,416,000 | 65,747,000 | 94,503,000 | 98,462,000 |
| Noninterest-bearing deposits | 14,872,000 | 16,835,000 | 18,332,000 | 20,971,000 |
| Equity capital | 18,994,000 | 18,696,000 | 18,564,000 | 18,744,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 808,000 | 1,988,000 | 3,443,000 | 5,144,000 |
| Interest expense | 176,000 | 446,000 | 818,000 | 1,235,000 |
| Net interest income | 632,000 | 1,542,000 | 2,625,000 | 3,909,000 |
| Noninterest income | 13,000 | 21,000 | 30,000 | 41,000 |
| Noninterest expense | 783,000 | 1,749,000 | 2,810,000 | 3,965,000 |
| Provision for loan losses | 227,000 | 477,000 | 640,000 | 740,000 |
| Pretax income | -365,000 | -663,000 | -795,000 | -670,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -365,000 | -663,000 | -795,000 | -670,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,994,000 | 18,696,000 | 18,564,000 | 18,744,000 |
| Total capital | 19,631,000 | 19,583,000 | 19,614,000 | 19,804,000 |
| Risk-weighted assets | 75,076,000 | 95,235,000 | 102,038,000 | 111,193,000 |