Call reports 2003
MAIN STREET BANK CORP. — 2003
What MAIN STREET BANK CORP. reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 80,249,000 | 86,009,000 | 90,699,000 | 96,457,000 |
| Total loans | 55,232,000 | 58,918,000 | 67,916,000 | 74,910,000 |
| Allowance for loan losses | 770,000 | 860,000 | 980,000 | 1,100,000 |
| Securities available for sale | 8,584,000 | 7,156,000 | 5,052,000 | 4,876,000 |
| Securities held to maturity | 12,289,000 | 13,635,000 | 15,224,000 | 13,223,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,175,000 | 75,914,000 | 74,351,000 | 77,270,000 |
| Interest-bearing deposits | 65,710,000 | 70,361,000 | 68,571,000 | 70,358,000 |
| Noninterest-bearing deposits | 4,465,000 | 5,553,000 | 5,780,000 | 6,912,000 |
| Equity capital | 6,124,000 | 6,352,000 | 7,456,000 | 7,814,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,129,000 | 2,364,000 | 3,684,000 | 5,019,000 |
| Interest expense | 413,000 | 843,000 | 1,255,000 | 1,663,000 |
| Net interest income | 716,000 | 1,521,000 | 2,429,000 | 3,356,000 |
| Noninterest income | 16,000 | 34,000 | 57,000 | 75,000 |
| Noninterest expense | 472,000 | 994,000 | 1,532,000 | 2,150,000 |
| Provision for loan losses | 68,000 | 158,000 | 281,000 | 454,000 |
| Pretax income | 192,000 | 403,000 | 673,000 | 827,000 |
| Income tax | 10,000 | 40,000 | 80,000 | -100,000 |
| Net income | 182,000 | 363,000 | 593,000 | 927,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,096,000 | 6,277,000 | 7,507,000 | 7,831,000 |
| Total capital | 6,739,000 | 6,936,000 | 8,247,000 | 8,640,000 |
| Risk-weighted assets | 51,330,000 | 52,532,000 | 58,942,000 | 64,467,000 |
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