Call reports 2009
MERAMEC VALLEY BANK — 2009
What MERAMEC VALLEY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 141,174,000 | 139,066,000 | 134,584,000 | 130,655,000 |
| Total loans | 113,546,000 | 110,695,000 | 107,096,000 | 101,653,000 |
| Allowance for loan losses | 1,272,000 | 2,039,000 | 2,242,000 | 2,811,000 |
| Securities available for sale | 14,156,000 | 13,430,000 | 11,768,000 | 11,166,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,329,000 | 100,814,000 | 113,675,000 | 112,403,000 |
| Interest-bearing deposits | 89,595,000 | 87,446,000 | 97,624,000 | 95,477,000 |
| Noninterest-bearing deposits | 12,733,000 | 13,368,000 | 16,051,000 | 16,926,000 |
| Equity capital | 11,838,000 | 10,801,000 | 11,322,000 | 9,433,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,928,000 | 3,799,000 | 5,595,000 | 7,267,000 |
| Interest expense | 602,000 | 1,152,000 | 1,710,000 | 2,201,000 |
| Net interest income | 1,326,000 | 2,647,000 | 3,885,000 | 5,066,000 |
| Noninterest income | 188,000 | 114,000 | 197,000 | 237,000 |
| Noninterest expense | 1,115,000 | 2,501,000 | 3,545,000 | 4,837,000 |
| Provision for loan losses | 279,000 | 1,074,000 | 1,288,000 | 3,106,000 |
| Pretax income | 120,000 | -813,000 | -617,000 | -2,490,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 120,000 | -813,000 | -617,000 | -2,490,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,654,000 | 10,621,000 | 10,817,000 | 9,094,000 |
| Total capital | 12,926,000 | 12,033,000 | 12,192,000 | 10,408,000 |
| Risk-weighted assets | 117,000,000 | 112,349,000 | 109,538,000 | 103,599,000 |