Call reports 2004
MERAMEC VALLEY BANK — 2004
What MERAMEC VALLEY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 120,516,000 | 124,746,000 | 127,593,000 | 130,127,000 |
| Total loans | 100,159,000 | 106,050,000 | 109,421,000 | 110,528,000 |
| Allowance for loan losses | 998,000 | 1,010,000 | 1,010,000 | 1,041,000 |
| Securities available for sale | 10,289,000 | 10,100,000 | 10,062,000 | 9,896,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,610,000 | 94,871,000 | 100,259,000 | 103,600,000 |
| Interest-bearing deposits | 76,719,000 | 77,405,000 | 81,463,000 | 85,841,000 |
| Noninterest-bearing deposits | 14,891,000 | 17,466,000 | 18,796,000 | 17,759,000 |
| Equity capital | 9,641,000 | 9,647,000 | 9,771,000 | 10,001,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,554,000 | 3,193,000 | 4,914,000 | 6,729,000 |
| Interest expense | 410,000 | 829,000 | 1,274,000 | 1,766,000 |
| Net interest income | 1,144,000 | 2,364,000 | 3,640,000 | 4,963,000 |
| Noninterest income | 570,000 | 758,000 | 916,000 | 1,081,000 |
| Noninterest expense | 1,062,000 | 2,075,000 | 3,153,000 | 4,289,000 |
| Provision for loan losses | 35,000 | 35,000 | 35,000 | 65,000 |
| Pretax income | 677,000 | 1,072,000 | 1,428,000 | 1,756,000 |
| Income tax | 0 | 53,000 | 105,000 | 158,000 |
| Net income | 677,000 | 1,019,000 | 1,323,000 | 1,598,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,527,000 | 9,669,000 | 9,773,000 | 10,048,000 |
| Total capital | 10,525,000 | 10,679,000 | 10,783,000 | 11,089,000 |
| Risk-weighted assets | 98,028,000 | 103,160,000 | 104,735,000 | 107,153,000 |