Call reports 2014
MERAMEC VALLEY BANK — 2014
What MERAMEC VALLEY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 93,750,000 | 95,327,000 | 93,853,000 | 93,466,000 |
| Total loans | 53,994,000 | 54,993,000 | 54,557,000 | 55,791,000 |
| Allowance for loan losses | 1,091,000 | 1,238,000 | 1,186,000 | 1,138,000 |
| Securities available for sale | 12,234,000 | 13,625,000 | 17,043,000 | 15,427,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,034,000 | 77,403,000 | 75,880,000 | 75,564,000 |
| Interest-bearing deposits | 59,846,000 | 61,090,000 | 59,733,000 | 59,270,000 |
| Noninterest-bearing deposits | 16,188,000 | 16,313,000 | 16,147,000 | 16,294,000 |
| Equity capital | 8,648,000 | 8,598,000 | 8,402,000 | 8,351,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 817,000 | 1,654,000 | 2,372,000 | 3,065,000 |
| Interest expense | 116,000 | 228,000 | 339,000 | 449,000 |
| Net interest income | 701,000 | 1,426,000 | 2,033,000 | 2,616,000 |
| Noninterest income | 405,000 | 869,000 | 1,032,000 | 1,257,000 |
| Noninterest expense | 954,000 | 1,848,000 | 2,813,000 | 3,761,000 |
| Provision for loan losses | -100,000 | -150,000 | -200,000 | -250,000 |
| Pretax income | 252,000 | 597,000 | 452,000 | 362,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 252,000 | 597,000 | 452,000 | 362,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,651,000 | 8,538,000 | 8,392,000 | 8,304,000 |
| Total capital | 9,398,000 | 9,262,000 | 9,129,000 | 9,045,000 |
| Risk-weighted assets | 59,416,000 | 57,396,000 | 58,545,000 | 58,886,000 |