Call reports 2014
MAIN STREET BANK CORP. — 2014
What MAIN STREET BANK CORP. reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 313,972,000 | 307,812,000 | 314,589,000 | 341,281,000 |
| Total loans | 247,032,000 | 255,043,000 | 264,949,000 | 273,507,000 |
| Allowance for loan losses | 3,320,000 | 3,478,000 | 3,509,000 | 3,604,000 |
| Securities available for sale | 953,000 | 930,000 | 896,000 | 882,000 |
| Securities held to maturity | 29,399,000 | 29,098,000 | 29,090,000 | 27,958,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 267,973,000 | 256,694,000 | 259,857,000 | 288,546,000 |
| Interest-bearing deposits | 217,860,000 | 212,455,000 | 210,871,000 | 231,855,000 |
| Noninterest-bearing deposits | 50,113,000 | 44,239,000 | 48,986,000 | 56,691,000 |
| Equity capital | 25,898,000 | 26,096,000 | 27,071,000 | 27,912,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,461,000 | 7,075,000 | 10,780,000 | 14,604,000 |
| Interest expense | 468,000 | 949,000 | 1,435,000 | 1,929,000 |
| Net interest income | 2,993,000 | 6,126,000 | 9,345,000 | 12,675,000 |
| Noninterest income | 127,000 | 238,000 | 354,000 | 465,000 |
| Noninterest expense | 1,708,000 | 3,437,000 | 5,227,000 | 7,310,000 |
| Provision for loan losses | 150,000 | 300,000 | 300,000 | 380,000 |
| Pretax income | 1,262,000 | 2,627,000 | 4,172,000 | 5,450,000 |
| Income tax | 434,000 | 902,000 | 1,463,000 | 1,902,000 |
| Net income | 828,000 | 1,725,000 | 2,709,000 | 3,548,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,876,000 | 26,077,000 | 27,062,000 | 27,901,000 |
| Total capital | 28,609,000 | 28,787,000 | 29,830,000 | 30,809,000 |
| Risk-weighted assets | 218,064,000 | 215,995,000 | 220,680,000 | 231,961,000 |