Call reports 2007
MAIN STREET BANK CORP. — 2007
What MAIN STREET BANK CORP. reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 171,886,000 | 171,050,000 | 171,697,000 | 178,398,000 |
| Total loans | 137,292,000 | 139,164,000 | 139,688,000 | 142,046,000 |
| Allowance for loan losses | 1,831,000 | 1,858,000 | 1,954,000 | 1,941,000 |
| Securities available for sale | 6,129,000 | 7,766,000 | 9,421,000 | 9,084,000 |
| Securities held to maturity | 13,717,000 | 14,051,000 | 14,045,000 | 13,744,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,907,000 | 133,115,000 | 136,802,000 | 137,239,000 |
| Interest-bearing deposits | 115,934,000 | 117,270,000 | 122,178,000 | 118,417,000 |
| Noninterest-bearing deposits | 16,973,000 | 15,845,000 | 14,624,000 | 18,822,000 |
| Equity capital | 13,643,000 | 13,722,000 | 13,948,000 | 14,174,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,729,000 | 5,434,000 | 8,279,000 | 11,068,000 |
| Interest expense | 1,392,000 | 2,810,000 | 4,306,000 | 5,778,000 |
| Net interest income | 1,337,000 | 2,624,000 | 3,973,000 | 5,290,000 |
| Noninterest income | 53,000 | 102,000 | 165,000 | 237,000 |
| Noninterest expense | 922,000 | 1,864,000 | 2,844,000 | 3,823,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 350,000 |
| Pretax income | 378,000 | 682,000 | 1,024,000 | 1,354,000 |
| Income tax | 109,000 | 225,000 | 333,000 | 436,000 |
| Net income | 269,000 | 457,000 | 691,000 | 918,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,662,000 | 13,791,000 | 13,965,000 | 14,132,000 |
| Total capital | 15,173,000 | 15,327,000 | 15,517,000 | 15,721,000 |
| Risk-weighted assets | 120,523,000 | 122,552,000 | 123,781,000 | 126,761,000 |