Call reports 2012
MEMORIAL CITY BANK — 2012
What MEMORIAL CITY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 206,008,000 | 205,900,000 | 220,836,000 | 228,936,000 |
| Total loans | 145,229,000 | 146,634,000 | 149,485,000 | 151,516,000 |
| Allowance for loan losses | 1,615,000 | 1,662,000 | 1,641,000 | 1,687,000 |
| Securities available for sale | 29,350,000 | 29,348,000 | 37,761,000 | 48,588,000 |
| Securities held to maturity | 6,530,000 | 6,524,000 | 6,517,000 | 6,510,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 184,637,000 | 178,901,000 | 193,250,000 | 201,158,000 |
| Interest-bearing deposits | 130,709,000 | 129,041,000 | 128,898,000 | 129,049,000 |
| Noninterest-bearing deposits | 53,928,000 | 49,860,000 | 64,352,000 | 72,109,000 |
| Equity capital | 21,053,000 | 21,665,000 | 22,197,000 | 22,392,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,291,000 | 4,586,000 | 6,953,000 | 9,376,000 |
| Interest expense | 293,000 | 578,000 | 833,000 | 1,090,000 |
| Net interest income | 1,998,000 | 4,008,000 | 6,120,000 | 8,286,000 |
| Noninterest income | 35,000 | 72,000 | 129,000 | 183,000 |
| Noninterest expense | 1,543,000 | 3,137,000 | 4,780,000 | 6,540,000 |
| Provision for loan losses | 135,000 | 190,000 | 190,000 | 235,000 |
| Pretax income | 356,000 | 917,000 | 1,489,000 | 2,104,000 |
| Income tax | 101,000 | 252,000 | 415,000 | 566,000 |
| Net income | 255,000 | 665,000 | 1,074,000 | 1,538,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,475,000 | 20,848,000 | 21,471,000 | 21,753,000 |
| Total capital | 22,090,000 | 22,510,000 | 23,112,000 | 23,440,000 |
| Risk-weighted assets | 152,544,000 | 155,227,000 | 160,219,000 | 161,929,000 |