Call reports 2013
MAIN STREET BANK CORP. — 2013
What MAIN STREET BANK CORP. reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 279,178,000 | 285,081,000 | 289,601,000 | 304,847,000 |
| Total loans | 221,584,000 | 228,128,000 | 238,602,000 | 241,943,000 |
| Allowance for loan losses | 3,098,000 | 3,125,000 | 3,359,000 | 3,187,000 |
| Securities available for sale | 1,193,000 | 1,145,000 | 1,112,000 | 1,035,000 |
| Securities held to maturity | 23,866,000 | 27,257,000 | 28,119,000 | 29,778,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 238,883,000 | 245,049,000 | 246,514,000 | 249,868,000 |
| Interest-bearing deposits | 194,307,000 | 197,842,000 | 199,517,000 | 200,819,000 |
| Noninterest-bearing deposits | 44,576,000 | 47,207,000 | 46,997,000 | 49,049,000 |
| Equity capital | 23,615,000 | 23,562,000 | 24,191,000 | 25,072,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,193,000 | 6,418,000 | 9,796,000 | 13,367,000 |
| Interest expense | 481,000 | 956,000 | 1,434,000 | 1,909,000 |
| Net interest income | 2,712,000 | 5,462,000 | 8,362,000 | 11,458,000 |
| Noninterest income | 78,000 | 180,000 | 295,000 | 424,000 |
| Noninterest expense | 1,624,000 | 3,281,000 | 5,076,000 | 6,915,000 |
| Provision for loan losses | 252,000 | 504,000 | 756,000 | 756,000 |
| Pretax income | 914,000 | 1,857,000 | 2,825,000 | 4,211,000 |
| Income tax | 310,000 | 631,000 | 968,000 | 1,470,000 |
| Net income | 604,000 | 1,226,000 | 1,857,000 | 2,741,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,579,000 | 23,533,000 | 24,164,000 | 25,048,000 |
| Total capital | 26,029,000 | 26,009,000 | 26,734,000 | 27,687,000 |
| Risk-weighted assets | 195,329,000 | 197,452,000 | 204,801,000 | 210,546,000 |