Call reports 2007
MERAMEC VALLEY BANK — 2007
What MERAMEC VALLEY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 156,117,000 | 154,397,000 | 148,142,000 | 150,848,000 |
| Total loans | 124,009,000 | 122,884,000 | 119,230,000 | 123,210,000 |
| Allowance for loan losses | 1,180,000 | 1,244,000 | 1,251,000 | 1,576,000 |
| Securities available for sale | 25,422,000 | 23,490,000 | 21,683,000 | 19,195,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,189,000 | 132,484,000 | 124,916,000 | 126,024,000 |
| Interest-bearing deposits | 121,833,000 | 115,564,000 | 109,336,000 | 107,814,000 |
| Noninterest-bearing deposits | 15,357,000 | 16,920,000 | 15,579,000 | 18,210,000 |
| Equity capital | 12,680,000 | 12,039,000 | 12,464,000 | 12,214,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,784,000 | 5,598,000 | 8,257,000 | 10,839,000 |
| Interest expense | 1,414,000 | 2,865,000 | 4,255,000 | 5,554,000 |
| Net interest income | 1,370,000 | 2,733,000 | 4,002,000 | 5,285,000 |
| Noninterest income | 115,000 | 216,000 | 302,000 | 383,000 |
| Noninterest expense | 1,250,000 | 2,504,000 | 3,652,000 | 4,851,000 |
| Provision for loan losses | 53,000 | 105,000 | 135,000 | 535,000 |
| Pretax income | 182,000 | 340,000 | 517,000 | 281,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 182,000 | 340,000 | 517,000 | 281,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,377,000 | 12,346,000 | 12,332,000 | 11,876,000 |
| Total capital | 13,557,000 | 13,590,000 | 13,583,000 | 13,377,000 |
| Risk-weighted assets | 123,681,000 | 122,099,000 | 115,911,000 | 119,986,000 |