Call reports 2001
MERAMEC VALLEY BANK — 2001
What MERAMEC VALLEY BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 119,817,000 | 117,541,000 | 117,289,000 | 122,215,000 |
| Total loans | 97,029,000 | 91,578,000 | 93,959,000 | 93,121,000 |
| Allowance for loan losses | 918,000 | 897,000 | 850,000 | 902,000 |
| Securities available for sale | 8,093,000 | 5,690,000 | 11,960,000 | 7,682,000 |
| Securities held to maturity | 6,834,000 | 6,721,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,865,000 | 104,914,000 | 104,039,000 | 108,486,000 |
| Interest-bearing deposits | 89,956,000 | 89,960,000 | 89,630,000 | 92,457,000 |
| Noninterest-bearing deposits | 12,909,000 | 14,955,000 | 14,409,000 | 16,029,000 |
| Equity capital | 8,919,000 | 8,724,000 | 9,019,000 | 9,161,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 2,511,000 | 4,839,000 | 7,007,000 | 9,191,000 |
| Interest expense | 1,292,000 | 2,475,000 | 3,532,000 | 4,480,000 |
| Net interest income | 1,219,000 | 2,364,000 | 3,475,000 | 4,711,000 |
| Noninterest income | 124,000 | 242,000 | 406,000 | 560,000 |
| Noninterest expense | 1,057,000 | 2,453,000 | 3,451,000 | 4,267,000 |
| Provision for loan losses | 0 | 0 | 0 | 30,000 |
| Pretax income | 286,000 | 213,000 | 489,000 | 1,254,000 |
| Income tax | 83,000 | 82,000 | 185,000 | 477,000 |
| Net income | 203,000 | 131,000 | 304,000 | 777,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,796,000 | 8,635,000 | 8,769,000 | 9,107,000 |
| Total capital | 9,714,000 | 9,532,000 | 9,619,000 | 10,009,000 |
| Risk-weighted assets | 96,702,000 | 92,866,000 | 88,963,000 | 88,518,000 |