Call reports 2019
MERAMEC VALLEY BANK — 2019
What MERAMEC VALLEY BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 120,204,000 | 121,056,000 | 120,888,000 | 123,541,000 |
| Total loans | 95,112,000 | 93,018,000 | 96,948,000 | 102,615,000 |
| Allowance for loan losses | 947,000 | 961,000 | 962,000 | 963,000 |
| Securities available for sale | 12,612,000 | 12,717,000 | 14,221,000 | 13,373,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,030,000 | 100,818,000 | 101,015,000 | 100,439,000 |
| Interest-bearing deposits | 83,239,000 | 83,075,000 | 83,218,000 | 83,201,000 |
| Noninterest-bearing deposits | 16,791,000 | 17,743,000 | 17,797,000 | 17,238,000 |
| Equity capital | 9,930,000 | 9,864,000 | 10,164,000 | 10,366,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,284,000 | 2,622,000 | 4,004,000 | 5,379,000 |
| Interest expense | 330,000 | 671,000 | 1,022,000 | 1,352,000 |
| Net interest income | 954,000 | 1,951,000 | 2,982,000 | 4,027,000 |
| Noninterest income | 84,000 | 137,000 | 222,000 | 327,000 |
| Noninterest expense | 884,000 | 1,815,000 | 2,644,000 | 3,591,000 |
| Provision for loan losses | 0 | 14,000 | 14,000 | 14,000 |
| Pretax income | 154,000 | 259,000 | 546,000 | 751,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 154,000 | 259,000 | 546,000 | 751,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,030,000 | 9,786,000 | 10,073,000 | 10,278,000 |
| Total capital | 10,977,000 | 10,747,000 | 11,035,000 | 11,241,000 |
| Risk-weighted assets | 95,046,000 | 98,342,000 | 100,039,000 | 105,199,000 |