Call reports 2004
MAIN STREET BANK CORP. — 2004
What MAIN STREET BANK CORP. reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 100,129,000 | 110,795,000 | 118,993,000 | 120,024,000 |
| Total loans | 78,271,000 | 82,960,000 | 92,109,000 | 97,394,000 |
| Allowance for loan losses | 1,162,000 | 1,223,000 | 1,283,000 | 1,303,000 |
| Securities available for sale | 4,713,000 | 7,834,000 | 7,711,000 | 7,638,000 |
| Securities held to maturity | 12,706,000 | 13,070,000 | 11,773,000 | 10,645,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,443,000 | 81,259,000 | 83,274,000 | 84,800,000 |
| Interest-bearing deposits | 69,461,000 | 72,788,000 | 72,453,000 | 74,822,000 |
| Noninterest-bearing deposits | 6,982,000 | 8,471,000 | 10,821,000 | 9,978,000 |
| Equity capital | 8,089,000 | 8,225,000 | 8,638,000 | 8,879,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,374,000 | 2,825,000 | 4,418,000 | 6,065,000 |
| Interest expense | 419,000 | 884,000 | 1,422,000 | 1,998,000 |
| Net interest income | 955,000 | 1,941,000 | 2,996,000 | 4,067,000 |
| Noninterest income | 18,000 | 45,000 | 73,000 | 99,000 |
| Noninterest expense | 541,000 | 1,118,000 | 1,708,000 | 2,376,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 220,000 |
| Pretax income | 372,000 | 748,000 | 1,181,000 | 1,570,000 |
| Income tax | 138,000 | 270,000 | 430,000 | 530,000 |
| Net income | 234,000 | 478,000 | 751,000 | 1,040,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,065,000 | 8,309,000 | 8,552,000 | 8,841,000 |
| Total capital | 8,914,000 | 9,189,000 | 9,546,000 | 9,883,000 |
| Risk-weighted assets | 67,604,000 | 70,055,000 | 79,218,000 | 83,128,000 |
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