Call reports 2020
MERAMEC VALLEY BANK — 2020
What MERAMEC VALLEY BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 128,994,000 | 154,991,000 | 146,962,000 | 138,878,000 |
| Total loans | 105,724,000 | 121,351,000 | 123,197,000 | 116,280,000 |
| Allowance for loan losses | 1,046,000 | 1,257,000 | 1,375,000 | 1,490,000 |
| Securities available for sale | 12,856,000 | 3,337,000 | 3,349,000 | 3,339,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,330,000 | 118,957,000 | 113,878,000 | 112,743,000 |
| Interest-bearing deposits | 84,462,000 | 88,169,000 | 85,923,000 | 84,578,000 |
| Noninterest-bearing deposits | 17,868,000 | 30,788,000 | 27,955,000 | 28,165,000 |
| Equity capital | 10,568,000 | 10,892,000 | 11,156,000 | 11,288,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,391,000 | 3,084,000 | 4,556,000 | 5,864,000 |
| Interest expense | 338,000 | 590,000 | 797,000 | 965,000 |
| Net interest income | 1,053,000 | 2,494,000 | 3,759,000 | 4,899,000 |
| Noninterest income | 102,000 | 182,000 | 300,000 | 403,000 |
| Noninterest expense | 874,000 | 1,855,000 | 2,771,000 | 3,763,000 |
| Provision for loan losses | 82,000 | 292,000 | 410,000 | 525,000 |
| Pretax income | 199,000 | 800,000 | 1,149,000 | 1,285,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 199,000 | 800,000 | 1,149,000 | 1,285,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,378,000 | 10,879,000 | 11,126,000 | 11,263,000 |
| Total capital | 11,424,000 | 12,136,000 | 12,452,000 | 12,570,000 |
| Risk-weighted assets | 108,818,000 | 104,162,000 | 106,047,000 | 104,409,000 |