Call reports 2011
MEMORIAL CITY BANK — 2011
What MEMORIAL CITY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 170,499,000 | 172,364,000 | 178,892,000 | 197,830,000 |
| Total loans | 121,919,000 | 126,013,000 | 132,004,000 | 142,760,000 |
| Allowance for loan losses | 1,270,000 | 1,330,000 | 1,390,000 | 1,480,000 |
| Securities available for sale | 19,632,000 | 19,289,000 | 18,926,000 | 30,764,000 |
| Securities held to maturity | 0 | 1,085,000 | 5,653,000 | 6,164,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,652,000 | 151,814,000 | 157,799,000 | 176,707,000 |
| Interest-bearing deposits | 114,729,000 | 116,059,000 | 119,233,000 | 125,750,000 |
| Noninterest-bearing deposits | 35,923,000 | 35,755,000 | 38,566,000 | 50,957,000 |
| Equity capital | 19,556,000 | 20,189,000 | 20,644,000 | 20,760,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,927,000 | 3,900,000 | 6,007,000 | 8,170,000 |
| Interest expense | 345,000 | 679,000 | 1,012,000 | 1,319,000 |
| Net interest income | 1,582,000 | 3,221,000 | 4,995,000 | 6,851,000 |
| Noninterest income | 23,000 | 48,000 | 80,000 | 107,000 |
| Noninterest expense | 1,397,000 | 2,909,000 | 4,389,000 | 5,876,000 |
| Provision for loan losses | 20,000 | 80,000 | 140,000 | 230,000 |
| Pretax income | 188,000 | 280,000 | 678,000 | 1,017,000 |
| Income tax | 0 | -356,000 | -222,000 | -134,000 |
| Net income | 188,000 | 636,000 | 900,000 | 1,151,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,726,000 | 20,191,000 | 20,014,000 | 20,216,000 |
| Total capital | 20,996,000 | 21,521,000 | 21,404,000 | 21,696,000 |
| Risk-weighted assets | 127,793,000 | 129,405,000 | 140,601,000 | 152,945,000 |