Call reports 2005
MERIDIAN BANK — 2005
What MERIDIAN BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 74,461,000 | 70,667,000 | 80,846,000 | 82,544,000 |
| Total loans | 33,411,000 | 43,095,000 | 58,990,000 | 66,241,000 |
| Allowance for loan losses | 418,000 | 539,000 | 715,000 | 759,000 |
| Securities available for sale | 39,765,000 | 26,827,000 | 18,622,000 | 15,634,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,891,000 | 51,127,000 | 60,044,000 | 63,904,000 |
| Interest-bearing deposits | 34,959,000 | 49,603,000 | 58,306,000 | 61,916,000 |
| Noninterest-bearing deposits | 932,000 | 1,524,000 | 1,738,000 | 1,988,000 |
| Equity capital | 8,502,000 | 8,390,000 | 8,140,000 | 8,128,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 546,000 | 1,317,000 | 2,335,000 | 3,583,000 |
| Interest expense | 213,000 | 555,000 | 1,050,000 | 1,684,000 |
| Net interest income | 333,000 | 762,000 | 1,285,000 | 1,899,000 |
| Noninterest income | 1,000 | 4,000 | 7,000 | 11,000 |
| Noninterest expense | 496,000 | 1,007,000 | 1,546,000 | 2,096,000 |
| Provision for loan losses | 115,000 | 236,000 | 412,000 | 472,000 |
| Pretax income | -277,000 | -477,000 | -697,000 | -689,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -277,000 | -477,000 | -697,000 | -689,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,594,000 | 8,419,000 | 8,224,000 | 8,257,000 |
| Total capital | 9,012,000 | 8,958,000 | 8,939,000 | 9,016,000 |
| Risk-weighted assets | 43,317,000 | 50,505,000 | 66,752,000 | 74,451,000 |
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