Call reports 2015
MEMORIAL CITY BANK — 2015
What MEMORIAL CITY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 |
|---|---|---|
| Total assets | 297,063,000 | 273,236,000 |
| Total loans | 209,995,000 | 200,013,000 |
| Allowance for loan losses | 200,000 | 500,000 |
| Securities available for sale | 0 | 0 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 245,881,000 | 220,938,000 |
| Interest-bearing deposits | 158,513,000 | 135,433,000 |
| Noninterest-bearing deposits | 87,368,000 | 85,505,000 |
| Equity capital | 50,127,000 | 50,981,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 |
|---|---|---|
| Interest income | 1,519,000 | 4,082,000 |
| Interest expense | 124,000 | 313,000 |
| Net interest income | 1,395,000 | 3,769,000 |
| Noninterest income | 47,000 | 120,000 |
| Noninterest expense | 981,000 | 2,722,000 |
| Provision for loan losses | 200,000 | 500,000 |
| Pretax income | 261,000 | 667,000 |
| Income tax | 90,000 | 236,000 |
| Net income | 171,000 | 431,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 |
|---|---|---|
| Tier 1 capital | 26,905,000 | 27,156,000 |
| Total capital | 27,105,000 | 27,656,000 |
| Risk-weighted assets | 215,982,000 | 205,900,000 |