Call reports 2010
MERAMEC VALLEY BANK — 2010
What MERAMEC VALLEY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 129,267,000 | 123,078,000 | 120,966,000 | 116,139,000 |
| Total loans | 91,772,000 | 87,996,000 | 86,217,000 | 81,842,000 |
| Allowance for loan losses | 1,953,000 | 1,894,000 | 1,921,000 | 1,982,000 |
| Securities available for sale | 5,658,000 | 3,142,000 | 3,955,000 | 6,292,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,049,000 | 104,899,000 | 102,697,000 | 98,443,000 |
| Interest-bearing deposits | 96,215,000 | 90,627,000 | 86,628,000 | 83,663,000 |
| Noninterest-bearing deposits | 14,834,000 | 14,272,000 | 16,069,000 | 14,780,000 |
| Equity capital | 9,302,000 | 9,407,000 | 9,294,000 | 9,120,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,492,000 | 2,918,000 | 4,356,000 | 5,721,000 |
| Interest expense | 401,000 | 779,000 | 1,133,000 | 1,456,000 |
| Net interest income | 1,091,000 | 2,139,000 | 3,223,000 | 4,265,000 |
| Noninterest income | -33,000 | 317,000 | -82,000 | -41,000 |
| Noninterest expense | 1,291,000 | 2,633,000 | 3,439,000 | 4,626,000 |
| Provision for loan losses | 15,000 | 15,000 | 15,000 | 15,000 |
| Pretax income | 15,000 | 151,000 | 30,000 | 102,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 15,000 | 151,000 | 30,000 | 102,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,109,000 | 9,245,000 | 9,126,000 | 9,196,000 |
| Total capital | 10,335,000 | 10,433,000 | 10,295,000 | 10,281,000 |
| Risk-weighted assets | 97,359,000 | 93,543,000 | 92,114,000 | 85,919,000 |