Call reports 2018
MERAMEC VALLEY BANK — 2018
What MERAMEC VALLEY BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 110,741,000 | 112,417,000 | 115,159,000 | 117,691,000 |
| Total loans | 90,179,000 | 91,710,000 | 94,833,000 | 96,365,000 |
| Allowance for loan losses | 879,000 | 896,000 | 915,000 | 946,000 |
| Securities available for sale | 13,604,000 | 12,993,000 | 12,140,000 | 12,837,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,523,000 | 88,590,000 | 88,732,000 | 91,252,000 |
| Interest-bearing deposits | 70,402,000 | 71,922,000 | 72,028,000 | 74,024,000 |
| Noninterest-bearing deposits | 15,121,000 | 16,668,000 | 16,704,000 | 17,228,000 |
| Equity capital | 9,148,000 | 9,312,000 | 9,535,000 | 9,673,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,057,000 | 2,202,000 | 3,420,000 | 4,702,000 |
| Interest expense | 163,000 | 353,000 | 580,000 | 870,000 |
| Net interest income | 894,000 | 1,849,000 | 2,840,000 | 3,832,000 |
| Noninterest income | 4,000 | 144,000 | 205,000 | 275,000 |
| Noninterest expense | 938,000 | 1,831,000 | 2,626,000 | 3,604,000 |
| Provision for loan losses | 38,000 | 58,000 | 73,000 | 73,000 |
| Pretax income | -78,000 | 104,000 | 346,000 | 430,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -78,000 | 104,000 | 346,000 | 430,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,369,000 | 9,551,000 | 9,793,000 | 9,877,000 |
| Total capital | 10,248,000 | 10,447,000 | 10,708,000 | 10,823,000 |
| Risk-weighted assets | 90,234,000 | 91,899,000 | 94,689,000 | 97,402,000 |