Call reports 2016
MERAMEC VALLEY BANK — 2016
What MERAMEC VALLEY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 97,207,000 | 100,222,000 | 101,264,000 | 101,231,000 |
| Total loans | 71,436,000 | 74,736,000 | 75,083,000 | 77,340,000 |
| Allowance for loan losses | 810,000 | 791,000 | 768,000 | 768,000 |
| Securities available for sale | 14,508,000 | 14,150,000 | 12,779,000 | 12,809,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,501,000 | 80,617,000 | 82,587,000 | 82,302,000 |
| Interest-bearing deposits | 61,997,000 | 64,494,000 | 66,385,000 | 65,292,000 |
| Noninterest-bearing deposits | 15,504,000 | 16,123,000 | 16,202,000 | 17,010,000 |
| Equity capital | 8,547,000 | 8,661,000 | 8,854,000 | 8,786,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 788,000 | 1,682,000 | 2,640,000 | 3,540,000 |
| Interest expense | 106,000 | 217,000 | 329,000 | 441,000 |
| Net interest income | 682,000 | 1,465,000 | 2,311,000 | 3,099,000 |
| Noninterest income | 131,000 | 236,000 | 377,000 | 386,000 |
| Noninterest expense | 899,000 | 1,746,000 | 2,549,000 | 3,484,000 |
| Provision for loan losses | -21,000 | -43,000 | -64,000 | -85,000 |
| Pretax income | -2,000 | 61,000 | 266,000 | 149,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -2,000 | 61,000 | 266,000 | 149,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,445,000 | 8,507,000 | 8,712,000 | 8,795,000 |
| Total capital | 9,255,000 | 9,298,000 | 9,480,000 | 9,563,000 |
| Risk-weighted assets | 76,824,000 | 81,667,000 | 81,546,000 | 82,125,000 |