Call reports 2021
MERAMEC VALLEY BANK — 2021
What MERAMEC VALLEY BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 145,040,000 | 148,032,000 | 155,286,000 | 155,748,000 |
| Total loans | 116,718,000 | 112,005,000 | 109,441,000 | 110,141,000 |
| Allowance for loan losses | 1,490,000 | 1,490,000 | 1,290,000 | 1,190,000 |
| Securities available for sale | 4,829,000 | 4,789,000 | 6,289,000 | 10,653,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,775,000 | 128,484,000 | 135,726,000 | 141,782,000 |
| Interest-bearing deposits | 91,925,000 | 94,482,000 | 99,343,000 | 100,907,000 |
| Noninterest-bearing deposits | 32,850,000 | 34,002,000 | 36,383,000 | 40,875,000 |
| Equity capital | 11,713,000 | 12,074,000 | 12,332,000 | 12,322,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,346,000 | 2,665,000 | 4,223,000 | 5,512,000 |
| Interest expense | 123,000 | 235,000 | 339,000 | 432,000 |
| Net interest income | 1,223,000 | 2,430,000 | 3,884,000 | 5,080,000 |
| Noninterest income | 117,000 | 526,000 | 668,000 | 863,000 |
| Noninterest expense | 894,000 | 1,930,000 | 2,988,000 | 4,063,000 |
| Provision for loan losses | 0 | 0 | -200,000 | -300,000 |
| Pretax income | 446,000 | 1,026,000 | 1,764,000 | 2,180,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 446,000 | 1,026,000 | 1,764,000 | 2,180,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,709,000 | 12,091,000 | 12,329,000 | 12,394,000 |
| Total capital | 13,005,000 | 13,348,000 | 13,619,000 | 13,584,000 |
| Risk-weighted assets | 103,546,000 | 100,360,000 | 105,674,000 | 110,379,000 |