Call reports 2009
MAIN STREET BANK CORP. — 2009
What MAIN STREET BANK CORP. reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 196,388,000 | 207,087,000 | 212,118,000 | 215,517,000 |
| Total loans | 154,375,000 | 156,115,000 | 161,013,000 | 168,229,000 |
| Allowance for loan losses | 2,114,000 | 2,137,000 | 2,130,000 | 2,250,000 |
| Securities available for sale | 4,858,000 | 2,715,000 | 4,547,000 | 4,477,000 |
| Securities held to maturity | 15,543,000 | 19,315,000 | 26,287,000 | 25,371,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 148,018,000 | 163,173,000 | 170,755,000 | 166,156,000 |
| Interest-bearing deposits | 130,164,000 | 143,103,000 | 150,015,000 | 143,854,000 |
| Noninterest-bearing deposits | 17,854,000 | 20,070,000 | 20,740,000 | 22,302,000 |
| Equity capital | 17,504,000 | 17,215,000 | 17,561,000 | 17,828,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,642,000 | 5,364,000 | 8,048,000 | 10,727,000 |
| Interest expense | 1,034,000 | 2,048,000 | 3,042,000 | 3,896,000 |
| Net interest income | 1,608,000 | 3,316,000 | 5,006,000 | 6,831,000 |
| Noninterest income | 82,000 | 163,000 | 273,000 | 353,000 |
| Noninterest expense | 1,174,000 | 2,466,000 | 3,656,000 | 4,971,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 416,000 |
| Pretax income | 426,000 | 833,000 | 1,353,000 | 1,797,000 |
| Income tax | 140,000 | 276,000 | 451,000 | 610,000 |
| Net income | 286,000 | 557,000 | 902,000 | 1,187,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,459,000 | 17,183,000 | 17,509,000 | 17,775,000 |
| Total capital | 19,193,000 | 18,952,000 | 19,350,000 | 19,706,000 |
| Risk-weighted assets | 138,306,000 | 141,133,000 | 147,003,000 | 154,179,000 |