Call reports 2012
MERAMEC VALLEY BANK — 2012
What MERAMEC VALLEY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 98,890,000 | 98,049,000 | 96,592,000 | 95,873,000 |
| Total loans | 61,870,000 | 62,802,000 | 59,715,000 | 62,561,000 |
| Allowance for loan losses | 1,450,000 | 1,467,000 | 1,239,000 | 1,250,000 |
| Securities available for sale | 14,595,000 | 14,357,000 | 15,638,000 | 14,317,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,118,000 | 80,998,000 | 79,312,000 | 77,497,000 |
| Interest-bearing deposits | 65,667,000 | 65,000,000 | 64,307,000 | 62,298,000 |
| Noninterest-bearing deposits | 16,451,000 | 15,998,000 | 15,005,000 | 15,199,000 |
| Equity capital | 8,418,000 | 8,557,000 | 8,653,000 | 8,668,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,008,000 | 2,012,000 | 2,959,000 | 3,880,000 |
| Interest expense | 169,000 | 328,000 | 482,000 | 623,000 |
| Net interest income | 839,000 | 1,684,000 | 2,477,000 | 3,257,000 |
| Noninterest income | 219,000 | 550,000 | 938,000 | 1,350,000 |
| Noninterest expense | 1,206,000 | 2,293,000 | 3,427,000 | 4,567,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -148,000 | -59,000 | -12,000 | 40,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -148,000 | -59,000 | -12,000 | 40,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,339,000 | 8,428,000 | 8,474,000 | 8,526,000 |
| Total capital | 9,183,000 | 9,275,000 | 9,289,000 | 9,386,000 |
| Risk-weighted assets | 66,949,000 | 67,170,000 | 64,774,000 | 68,401,000 |