Call reports 2013
MERAMEC VALLEY BANK — 2013
What MERAMEC VALLEY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 95,446,000 | 96,668,000 | 95,566,000 | 95,220,000 |
| Total loans | 59,249,000 | 57,752,000 | 57,016,000 | 54,100,000 |
| Allowance for loan losses | 1,254,000 | 1,205,000 | 1,179,000 | 1,189,000 |
| Securities available for sale | 11,335,000 | 12,730,000 | 12,499,000 | 12,364,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,201,000 | 79,420,000 | 77,351,000 | 77,739,000 |
| Interest-bearing deposits | 63,265,000 | 64,266,000 | 61,995,000 | 62,291,000 |
| Noninterest-bearing deposits | 14,936,000 | 15,154,000 | 15,356,000 | 15,448,000 |
| Equity capital | 8,649,000 | 8,372,000 | 8,220,000 | 8,381,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 891,000 | 1,745,000 | 2,596,000 | 3,372,000 |
| Interest expense | 133,000 | 262,000 | 391,000 | 514,000 |
| Net interest income | 758,000 | 1,483,000 | 2,205,000 | 2,858,000 |
| Noninterest income | 351,000 | 604,000 | 971,000 | 1,284,000 |
| Noninterest expense | 1,138,000 | 2,240,000 | 3,438,000 | 4,320,000 |
| Provision for loan losses | 0 | 0 | 0 | -50,000 |
| Pretax income | -29,000 | -153,000 | -262,000 | -128,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -29,000 | -153,000 | -262,000 | -128,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,498,000 | 8,374,000 | 8,265,000 | 8,399,000 |
| Total capital | 9,317,000 | 9,163,000 | 9,045,000 | 9,126,000 |
| Risk-weighted assets | 65,117,000 | 62,676,000 | 61,476,000 | 57,713,000 |