Call reports 2011
MERAMEC VALLEY BANK — 2011
What MERAMEC VALLEY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 113,554,000 | 107,623,000 | 100,880,000 | 97,493,000 |
| Total loans | 73,974,000 | 68,029,000 | 64,530,000 | 62,903,000 |
| Allowance for loan losses | 1,778,000 | 1,476,000 | 1,474,000 | 1,484,000 |
| Securities available for sale | 8,074,000 | 12,333,000 | 12,138,000 | 12,902,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,688,000 | 90,217,000 | 83,717,000 | 80,699,000 |
| Interest-bearing deposits | 79,510,000 | 76,973,000 | 70,495,000 | 66,356,000 |
| Noninterest-bearing deposits | 16,178,000 | 13,244,000 | 13,222,000 | 14,343,000 |
| Equity capital | 9,147,000 | 8,938,000 | 8,622,000 | 8,569,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,206,000 | 2,404,000 | 3,465,000 | 4,526,000 |
| Interest expense | 279,000 | 536,000 | 760,000 | 949,000 |
| Net interest income | 927,000 | 1,868,000 | 2,705,000 | 3,577,000 |
| Noninterest income | 31,000 | -177,000 | -343,000 | 584,000 |
| Noninterest expense | 952,000 | 1,953,000 | 2,966,000 | 4,871,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 6,000 | -262,000 | -604,000 | -710,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 6,000 | -262,000 | -604,000 | -710,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,202,000 | 8,934,000 | 8,593,000 | 8,487,000 |
| Total capital | 10,199,000 | 9,889,000 | 9,470,000 | 9,343,000 |
| Risk-weighted assets | 78,955,000 | 75,844,000 | 69,576,000 | 67,840,000 |