Call reports 2008
MERAMEC VALLEY BANK — 2008
What MERAMEC VALLEY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 137,781,000 | 144,305,000 | 142,697,000 | 143,866,000 |
| Total loans | 115,494,000 | 121,240,000 | 118,664,000 | 117,779,000 |
| Allowance for loan losses | 1,475,000 | 1,388,000 | 1,456,000 | 1,688,000 |
| Securities available for sale | 14,080,000 | 13,219,000 | 13,137,000 | 14,167,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,472,000 | 105,995,000 | 95,314,000 | 102,194,000 |
| Interest-bearing deposits | 100,067,000 | 90,317,000 | 81,379,000 | 86,383,000 |
| Noninterest-bearing deposits | 14,405,000 | 15,678,000 | 13,935,000 | 15,811,000 |
| Equity capital | 12,172,000 | 11,731,000 | 11,698,000 | 11,541,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,309,000 | 4,487,000 | 6,628,000 | 8,519,000 |
| Interest expense | 1,067,000 | 1,904,000 | 2,659,000 | 3,325,000 |
| Net interest income | 1,242,000 | 2,583,000 | 3,969,000 | 5,194,000 |
| Noninterest income | 94,000 | 186,000 | 301,000 | 505,000 |
| Noninterest expense | 965,000 | 2,188,000 | 3,520,000 | 4,724,000 |
| Provision for loan losses | 60,000 | 195,000 | 293,000 | 803,000 |
| Pretax income | 387,000 | 462,000 | 533,000 | 248,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 387,000 | 462,000 | 533,000 | 248,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,962,000 | 11,893,000 | 11,818,000 | 11,534,000 |
| Total capital | 13,382,000 | 13,281,000 | 13,274,000 | 12,989,000 |
| Risk-weighted assets | 113,578,000 | 115,095,000 | 118,186,000 | 119,068,000 |