Call reports 2010
MAIN STREET BANK CORP. — 2010
What MAIN STREET BANK CORP. reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 221,722,000 | 224,812,000 | 224,904,000 | 228,128,000 |
| Total loans | 171,312,000 | 176,010,000 | 182,888,000 | 186,965,000 |
| Allowance for loan losses | 2,346,000 | 2,394,000 | 2,344,000 | 2,404,000 |
| Securities available for sale | 2,341,000 | 2,233,000 | 2,039,000 | 1,979,000 |
| Securities held to maturity | 23,032,000 | 23,990,000 | 19,663,000 | 21,045,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 176,641,000 | 185,185,000 | 190,358,000 | 192,664,000 |
| Interest-bearing deposits | 154,649,000 | 161,736,000 | 164,341,000 | 162,802,000 |
| Noninterest-bearing deposits | 21,992,000 | 23,449,000 | 26,017,000 | 29,862,000 |
| Equity capital | 18,258,000 | 18,285,000 | 18,787,000 | 19,327,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,785,000 | 5,665,000 | 8,598,000 | 11,529,000 |
| Interest expense | 814,000 | 1,641,000 | 2,413,000 | 3,121,000 |
| Net interest income | 1,971,000 | 4,024,000 | 6,185,000 | 8,408,000 |
| Noninterest income | 113,000 | 208,000 | 306,000 | 429,000 |
| Noninterest expense | 1,324,000 | 2,578,000 | 3,962,000 | 5,153,000 |
| Provision for loan losses | 120,000 | 250,000 | 370,000 | 650,000 |
| Pretax income | 640,000 | 1,404,000 | 2,159,000 | 3,034,000 |
| Income tax | 205,000 | 485,000 | 725,000 | 1,032,000 |
| Net income | 435,000 | 919,000 | 1,434,000 | 2,002,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,192,000 | 18,223,000 | 18,718,000 | 19,268,000 |
| Total capital | 20,140,000 | 20,214,000 | 20,753,000 | 21,344,000 |
| Risk-weighted assets | 155,414,000 | 158,888,000 | 162,473,000 | 165,728,000 |