Call reports 2002
MAIN STREET BANK CORP. — 2002
What MAIN STREET BANK CORP. reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 40,669,000 | 53,519,000 | 69,549,000 | 74,453,000 |
| Total loans | 28,188,000 | 37,754,000 | 42,123,000 | 48,961,000 |
| Allowance for loan losses | 430,000 | 570,000 | 636,000 | 700,000 |
| Securities available for sale | 3,887,000 | 3,441,000 | 8,346,000 | 7,456,000 |
| Securities held to maturity | 5,613,000 | 8,363,000 | 11,731,000 | 13,977,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,781,000 | 46,500,000 | 60,219,000 | 64,163,000 |
| Interest-bearing deposits | 29,251,000 | 43,147,000 | 55,905,000 | 59,931,000 |
| Noninterest-bearing deposits | 2,530,000 | 3,353,000 | 4,314,000 | 4,232,000 |
| Equity capital | 3,803,000 | 3,739,000 | 4,988,000 | 6,017,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 504,000 | 1,234,000 | 2,138,000 | 3,198,000 |
| Interest expense | 233,000 | 578,000 | 1,010,000 | 1,437,000 |
| Net interest income | 271,000 | 656,000 | 1,128,000 | 1,761,000 |
| Noninterest income | 5,000 | 13,000 | 28,000 | 44,000 |
| Noninterest expense | 387,000 | 759,000 | 1,178,000 | 1,644,000 |
| Provision for loan losses | 180,000 | 320,000 | 386,000 | 454,000 |
| Pretax income | -291,000 | -410,000 | -408,000 | -293,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -291,000 | -410,000 | -408,000 | -293,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,846,000 | 3,727,000 | 4,932,000 | 5,914,000 |
| Total capital | 4,185,000 | 4,159,000 | 5,463,000 | 6,478,000 |
| Risk-weighted assets | 27,021,000 | 34,442,000 | 42,340,000 | 44,953,000 |
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