Call reports 2013
MEMORIAL CITY BANK — 2013
What MEMORIAL CITY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 231,179,000 | 240,793,000 | 294,669,000 | 279,776,000 |
| Total loans | 162,964,000 | 168,565,000 | 180,254,000 | 205,104,000 |
| Allowance for loan losses | 1,779,000 | 1,870,000 | 1,961,000 | 1,963,000 |
| Securities available for sale | 36,882,000 | 45,241,000 | 31,632,000 | 31,220,000 |
| Securities held to maturity | 6,504,000 | 6,497,000 | 6,490,000 | 6,484,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 198,315,000 | 213,465,000 | 262,036,000 | 251,647,000 |
| Interest-bearing deposits | 129,513,000 | 133,235,000 | 135,240,000 | 164,640,000 |
| Noninterest-bearing deposits | 68,803,000 | 80,230,000 | 126,797,000 | 87,007,000 |
| Equity capital | 22,509,000 | 21,964,000 | 21,930,000 | 22,506,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,407,000 | 4,932,000 | 7,590,000 | 10,433,000 |
| Interest expense | 250,000 | 500,000 | 754,000 | 1,012,000 |
| Net interest income | 2,157,000 | 4,432,000 | 6,836,000 | 9,421,000 |
| Noninterest income | 44,000 | 94,000 | 155,000 | 207,000 |
| Noninterest expense | 1,798,000 | 3,570,000 | 5,389,000 | 7,299,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 270,000 |
| Pretax income | 341,000 | 804,000 | 1,379,000 | 2,106,000 |
| Income tax | 79,000 | 198,000 | 357,000 | 545,000 |
| Net income | 262,000 | 606,000 | 1,022,000 | 1,561,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,952,000 | 22,271,000 | 22,705,000 | 23,358,000 |
| Total capital | 23,731,000 | 24,141,000 | 24,666,000 | 25,321,000 |
| Risk-weighted assets | 170,642,000 | 181,330,000 | 201,213,000 | 211,833,000 |