Call reports 2014
MEMORIAL CITY BANK — 2014
What MEMORIAL CITY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 292,505,000 | 287,471,000 | 279,105,000 | 274,655,000 |
| Total loans | 216,646,000 | 225,072,000 | 210,765,000 | 211,706,000 |
| Allowance for loan losses | 2,017,000 | 2,000,000 | 2,000,000 | 2,000,000 |
| Securities available for sale | 26,752,000 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 263,281,000 | 258,591,000 | 249,502,000 | 244,267,000 |
| Interest-bearing deposits | 168,395,000 | 148,641,000 | 157,940,000 | 152,124,000 |
| Noninterest-bearing deposits | 94,886,000 | 109,950,000 | 91,562,000 | 92,143,000 |
| Equity capital | 23,651,000 | 24,415,000 | 25,069,000 | 25,688,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,959,000 | 5,948,000 | 8,886,000 | 11,717,000 |
| Interest expense | 296,000 | 566,000 | 863,000 | 1,125,000 |
| Net interest income | 2,663,000 | 5,382,000 | 8,023,000 | 10,592,000 |
| Noninterest income | 90,000 | 162,000 | 240,000 | 330,000 |
| Noninterest expense | 1,946,000 | 3,847,000 | 5,596,000 | 7,341,000 |
| Provision for loan losses | 40,000 | 23,000 | 23,000 | 23,000 |
| Pretax income | 819,000 | 703,000 | 1,673,000 | 2,587,000 |
| Income tax | 263,000 | 229,000 | 566,000 | 882,000 |
| Net income | 556,000 | 474,000 | 1,107,000 | 1,705,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,933,000 | 23,875,000 | 24,529,000 | 25,066,000 |
| Total capital | 25,950,000 | 25,875,000 | 26,529,000 | 27,066,000 |
| Risk-weighted assets | 223,710,000 | 227,825,000 | 215,173,000 | 216,202,000 |