Call reports 2012
MAIN STREET BANK CORP. — 2012
What MAIN STREET BANK CORP. reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 247,225,000 | 249,235,000 | 252,095,000 | 271,611,000 |
| Total loans | 199,536,000 | 206,952,000 | 214,176,000 | 221,525,000 |
| Allowance for loan losses | 2,862,000 | 2,299,000 | 2,379,000 | 2,514,000 |
| Securities available for sale | 1,434,000 | 1,402,000 | 1,365,000 | 1,307,000 |
| Securities held to maturity | 23,577,000 | 20,713,000 | 20,723,000 | 21,670,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 210,609,000 | 212,185,000 | 215,924,000 | 231,701,000 |
| Interest-bearing deposits | 175,408,000 | 175,869,000 | 178,287,000 | 189,260,000 |
| Noninterest-bearing deposits | 35,201,000 | 36,316,000 | 37,637,000 | 42,441,000 |
| Equity capital | 21,713,000 | 21,871,000 | 22,443,000 | 23,014,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,858,000 | 5,869,000 | 8,924,000 | 12,122,000 |
| Interest expense | 549,000 | 1,085,000 | 1,616,000 | 2,125,000 |
| Net interest income | 2,309,000 | 4,784,000 | 7,308,000 | 9,997,000 |
| Noninterest income | 104,000 | 213,000 | 323,000 | 430,000 |
| Noninterest expense | 1,395,000 | 2,790,000 | 4,360,000 | 5,911,000 |
| Provision for loan losses | 150,000 | 500,000 | 650,000 | 1,000,000 |
| Pretax income | 868,000 | 1,707,000 | 2,621,000 | 3,516,000 |
| Income tax | 302,000 | 550,000 | 872,000 | 1,190,000 |
| Net income | 566,000 | 1,157,000 | 1,749,000 | 2,326,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,670,000 | 21,827,000 | 22,398,000 | 22,975,000 |
| Total capital | 23,869,000 | 24,095,000 | 24,724,000 | 25,387,000 |
| Risk-weighted assets | 175,228,000 | 181,376,000 | 186,041,000 | 192,848,000 |