Call reports 2008
MAIN STREET BANK CORP. — 2008
What MAIN STREET BANK CORP. reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 177,818,000 | 181,075,000 | 191,252,000 | 195,488,000 |
| Total loans | 140,897,000 | 144,362,000 | 149,967,000 | 156,283,000 |
| Allowance for loan losses | 2,032,000 | 2,063,000 | 2,131,000 | 2,022,000 |
| Securities available for sale | 7,876,000 | 6,415,000 | 6,266,000 | 5,983,000 |
| Securities held to maturity | 14,461,000 | 17,864,000 | 18,015,000 | 16,333,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,612,000 | 138,657,000 | 149,504,000 | 142,186,000 |
| Interest-bearing deposits | 121,344,000 | 119,378,000 | 131,468,000 | 122,235,000 |
| Noninterest-bearing deposits | 17,268,000 | 19,279,000 | 18,036,000 | 19,951,000 |
| Equity capital | 14,399,000 | 14,589,000 | 14,858,000 | 17,210,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,723,000 | 5,383,000 | 8,111,000 | 10,935,000 |
| Interest expense | 1,446,000 | 2,749,000 | 4,011,000 | 5,186,000 |
| Net interest income | 1,277,000 | 2,634,000 | 4,100,000 | 5,749,000 |
| Noninterest income | 73,000 | 148,000 | 230,000 | 313,000 |
| Noninterest expense | 980,000 | 1,963,000 | 2,986,000 | 4,152,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 350,000 |
| Pretax income | 280,000 | 639,000 | 1,074,000 | 1,560,000 |
| Income tax | 87,000 | 195,000 | 349,000 | 495,000 |
| Net income | 193,000 | 444,000 | 725,000 | 1,065,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,325,000 | 14,576,000 | 14,857,000 | 17,205,000 |
| Total capital | 15,887,000 | 16,187,000 | 16,534,000 | 18,946,000 |
| Risk-weighted assets | 124,464,000 | 128,463,000 | 133,702,000 | 139,005,000 |