Call reports 2006
MERAMEC VALLEY BANK — 2006
What MERAMEC VALLEY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 147,755,000 | 150,542,000 | 158,089,000 | 164,741,000 |
| Total loans | 128,488,000 | 127,514,000 | 129,164,000 | 125,340,000 |
| Allowance for loan losses | 1,112,000 | 1,134,000 | 1,183,000 | 1,115,000 |
| Securities available for sale | 12,153,000 | 14,781,000 | 20,958,000 | 21,321,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,335,000 | 120,780,000 | 118,421,000 | 141,482,000 |
| Interest-bearing deposits | 97,288,000 | 98,548,000 | 100,191,000 | 121,842,000 |
| Noninterest-bearing deposits | 22,047,000 | 22,232,000 | 18,230,000 | 19,640,000 |
| Equity capital | 12,066,000 | 12,105,000 | 12,534,000 | 12,701,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,369,000 | 5,006,000 | 7,820,000 | 10,655,000 |
| Interest expense | 885,000 | 1,913,000 | 3,132,000 | 4,488,000 |
| Net interest income | 1,484,000 | 3,093,000 | 4,688,000 | 6,167,000 |
| Noninterest income | 175,000 | 323,000 | 465,000 | 556,000 |
| Noninterest expense | 1,208,000 | 2,545,000 | 3,733,000 | 4,951,000 |
| Provision for loan losses | 53,000 | 105,000 | 231,000 | 289,000 |
| Pretax income | 398,000 | 766,000 | 1,189,000 | 1,483,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 398,000 | 766,000 | 1,189,000 | 1,483,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,220,000 | 12,263,000 | 12,411,000 | 12,495,000 |
| Total capital | 13,332,000 | 13,397,000 | 13,594,000 | 13,610,000 |
| Risk-weighted assets | 123,215,000 | 121,678,000 | 126,658,000 | 126,085,000 |