Call reports 2011
MAIN STREET BANK CORP. — 2011
What MAIN STREET BANK CORP. reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 228,774,000 | 236,744,000 | 238,125,000 | 244,023,000 |
| Total loans | 186,955,000 | 190,166,000 | 191,624,000 | 196,017,000 |
| Allowance for loan losses | 2,495,000 | 2,618,000 | 2,780,000 | 2,757,000 |
| Securities available for sale | 1,887,000 | 3,146,000 | 1,619,000 | 1,579,000 |
| Securities held to maturity | 20,959,000 | 22,088,000 | 26,539,000 | 25,385,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 196,536,000 | 203,335,000 | 203,377,000 | 208,667,000 |
| Interest-bearing deposits | 167,810,000 | 173,885,000 | 172,998,000 | 174,329,000 |
| Noninterest-bearing deposits | 28,726,000 | 29,450,000 | 30,379,000 | 34,338,000 |
| Equity capital | 19,758,000 | 19,925,000 | 20,535,000 | 21,150,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,853,000 | 5,745,000 | 8,639,000 | 11,568,000 |
| Interest expense | 640,000 | 1,269,000 | 1,883,000 | 2,472,000 |
| Net interest income | 2,213,000 | 4,476,000 | 6,756,000 | 9,096,000 |
| Noninterest income | 93,000 | 192,000 | 319,000 | 270,000 |
| Noninterest expense | 1,492,000 | 2,767,000 | 4,192,000 | 5,426,000 |
| Provision for loan losses | 126,000 | 252,000 | 378,000 | 500,000 |
| Pretax income | 688,000 | 1,651,000 | 2,505,000 | 3,440,000 |
| Income tax | 241,000 | 567,000 | 816,000 | 1,133,000 |
| Net income | 447,000 | 1,084,000 | 1,689,000 | 2,307,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,697,000 | 19,881,000 | 20,485,000 | 21,103,000 |
| Total capital | 21,775,000 | 22,035,000 | 22,624,000 | 23,274,000 |
| Risk-weighted assets | 165,794,000 | 171,860,000 | 170,498,000 | 173,088,000 |