Call reports 2005
MERAMEC VALLEY BANK — 2005
What MERAMEC VALLEY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 137,901,000 | 148,873,000 | 147,590,000 | 142,855,000 |
| Total loans | 115,369,000 | 115,459,000 | 112,452,000 | 118,817,000 |
| Allowance for loan losses | 1,052,000 | 1,014,000 | 1,021,000 | 1,074,000 |
| Securities available for sale | 12,596,000 | 12,633,000 | 15,465,000 | 15,420,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,990,000 | 123,128,000 | 122,276,000 | 117,749,000 |
| Interest-bearing deposits | 88,399,000 | 105,547,000 | 104,543,000 | 98,919,000 |
| Noninterest-bearing deposits | 16,591,000 | 17,581,000 | 17,733,000 | 18,830,000 |
| Equity capital | 10,490,000 | 10,597,000 | 10,609,000 | 10,958,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,868,000 | 3,997,000 | 6,145,000 | 8,471,000 |
| Interest expense | 574,000 | 1,333,000 | 2,163,000 | 2,992,000 |
| Net interest income | 1,294,000 | 2,664,000 | 3,982,000 | 5,479,000 |
| Noninterest income | 186,000 | 252,000 | 436,000 | 603,000 |
| Noninterest expense | 1,125,000 | 2,323,000 | 3,511,000 | 4,709,000 |
| Provision for loan losses | 53,000 | 5,000 | 58,000 | 110,000 |
| Pretax income | 302,000 | 588,000 | 849,000 | 1,263,000 |
| Income tax | 0 | -1,000 | -1,000 | -1,000 |
| Net income | 302,000 | 589,000 | 850,000 | 1,264,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,675,000 | 10,712,000 | 10,763,000 | 11,122,000 |
| Total capital | 11,727,000 | 11,726,000 | 11,784,000 | 12,196,000 |
| Risk-weighted assets | 111,437,000 | 114,682,000 | 113,257,000 | 112,724,000 |