Call reports 2006
MAIN STREET BANK CORP. — 2006
What MAIN STREET BANK CORP. reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 151,819,000 | 161,181,000 | 163,512,000 | 172,329,000 |
| Total loans | 122,497,000 | 128,281,000 | 133,343,000 | 135,841,000 |
| Allowance for loan losses | 1,670,000 | 1,760,000 | 1,841,000 | 1,746,000 |
| Securities available for sale | 6,701,000 | 6,359,000 | 6,014,000 | 5,875,000 |
| Securities held to maturity | 14,813,000 | 14,514,000 | 14,515,000 | 14,516,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,119,000 | 113,595,000 | 115,619,000 | 132,112,000 |
| Interest-bearing deposits | 94,339,000 | 97,957,000 | 97,856,000 | 112,215,000 |
| Noninterest-bearing deposits | 13,780,000 | 15,638,000 | 17,763,000 | 19,897,000 |
| Equity capital | 12,664,000 | 12,909,000 | 13,197,000 | 13,420,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,240,000 | 4,606,000 | 7,202,000 | 9,851,000 |
| Interest expense | 1,043,000 | 2,207,000 | 3,496,000 | 4,873,000 |
| Net interest income | 1,197,000 | 2,399,000 | 3,706,000 | 4,978,000 |
| Noninterest income | 38,000 | 87,000 | 141,000 | 195,000 |
| Noninterest expense | 886,000 | 1,755,000 | 2,651,000 | 3,541,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 350,000 |
| Pretax income | 259,000 | 551,000 | 926,000 | 1,282,000 |
| Income tax | 88,000 | 41,000 | 136,000 | 222,000 |
| Net income | 171,000 | 510,000 | 790,000 | 1,060,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,733,000 | 13,017,000 | 13,238,000 | 13,450,000 |
| Total capital | 14,080,000 | 14,420,000 | 14,700,000 | 14,946,000 |
| Risk-weighted assets | 107,431,000 | 111,879,000 | 116,613,000 | 119,439,000 |