Call reports 2003
MERAMEC VALLEY BANK — 2003
What MERAMEC VALLEY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 112,808,000 | 115,154,000 | 114,236,000 | 112,330,000 |
| Total loans | 84,578,000 | 88,379,000 | 87,287,000 | 90,441,000 |
| Allowance for loan losses | 894,000 | 966,000 | 975,000 | 992,000 |
| Securities available for sale | 14,439,000 | 15,665,000 | 15,762,000 | 11,366,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,762,000 | 96,502,000 | 95,431,000 | 93,501,000 |
| Interest-bearing deposits | 83,668,000 | 81,717,000 | 79,619,000 | 77,079,000 |
| Noninterest-bearing deposits | 14,093,000 | 14,785,000 | 15,811,000 | 16,422,000 |
| Equity capital | 9,712,000 | 9,606,000 | 9,595,000 | 9,527,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,645,000 | 3,279,000 | 4,885,000 | 6,454,000 |
| Interest expense | 507,000 | 976,000 | 1,422,000 | 1,827,000 |
| Net interest income | 1,138,000 | 2,303,000 | 3,463,000 | 4,627,000 |
| Noninterest income | 193,000 | 289,000 | 504,000 | 672,000 |
| Noninterest expense | 1,003,000 | 2,102,000 | 3,112,000 | 4,161,000 |
| Provision for loan losses | 53,000 | 123,000 | 194,000 | 227,000 |
| Pretax income | 275,000 | 444,000 | 759,000 | 1,084,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 275,000 | 444,000 | 759,000 | 1,084,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,340,000 | 9,235,000 | 9,375,000 | 9,425,000 |
| Total capital | 10,234,000 | 10,201,000 | 10,350,000 | 10,417,000 |
| Risk-weighted assets | 86,712,000 | 89,261,000 | 87,943,000 | 90,695,000 |