Call reports 2015
MERAMEC VALLEY BANK — 2015
What MERAMEC VALLEY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 93,218,000 | 93,376,000 | 93,287,000 | 95,047,000 |
| Total loans | 57,045,000 | 60,558,000 | 61,042,000 | 66,557,000 |
| Allowance for loan losses | 1,096,000 | 1,022,000 | 931,000 | 827,000 |
| Securities available for sale | 14,845,000 | 15,202,000 | 15,596,000 | 15,436,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,189,000 | 74,647,000 | 74,698,000 | 73,188,000 |
| Interest-bearing deposits | 59,902,000 | 59,417,000 | 58,935,000 | 57,925,000 |
| Noninterest-bearing deposits | 15,287,000 | 15,230,000 | 15,763,000 | 15,263,000 |
| Equity capital | 8,670,000 | 8,770,000 | 8,677,000 | 8,498,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 694,000 | 1,465,000 | 2,217,000 | 2,967,000 |
| Interest expense | 105,000 | 209,000 | 314,000 | 416,000 |
| Net interest income | 589,000 | 1,256,000 | 1,903,000 | 2,551,000 |
| Noninterest income | 554,000 | 808,000 | 960,000 | 1,121,000 |
| Noninterest expense | 935,000 | 1,833,000 | 2,819,000 | 3,834,000 |
| Provision for loan losses | -50,000 | -125,000 | -200,000 | -300,000 |
| Pretax income | 258,000 | 356,000 | 244,000 | 142,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 258,000 | 356,000 | 244,000 | 142,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,562,000 | 8,660,000 | 8,548,000 | 8,447,000 |
| Total capital | 9,339,000 | 9,459,000 | 9,359,000 | 9,274,000 |
| Risk-weighted assets | 61,854,000 | 63,752,000 | 64,772,000 | 73,406,000 |