Call reports 2015
MAIN STREET BANK CORP. — 2015
What MAIN STREET BANK CORP. reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 346,573,000 | 343,306,000 | 349,675,000 | 362,566,000 |
| Total loans | 277,210,000 | 286,890,000 | 292,555,000 | 307,385,000 |
| Allowance for loan losses | 3,755,000 | 3,797,000 | 3,916,000 | 4,001,000 |
| Securities available for sale | 682,000 | 403,000 | 386,000 | 362,000 |
| Securities held to maturity | 25,708,000 | 33,799,000 | 35,946,000 | 35,942,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 290,761,000 | 290,482,000 | 284,777,000 | 296,221,000 |
| Interest-bearing deposits | 234,552,000 | 237,826,000 | 230,393,000 | 237,512,000 |
| Noninterest-bearing deposits | 56,209,000 | 52,656,000 | 54,384,000 | 58,709,000 |
| Equity capital | 28,901,000 | 28,979,000 | 29,836,000 | 31,032,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,805,000 | 7,679,000 | 11,686,000 | 15,972,000 |
| Interest expense | 496,000 | 1,009,000 | 1,549,000 | 2,106,000 |
| Net interest income | 3,309,000 | 6,670,000 | 10,137,000 | 13,866,000 |
| Noninterest income | 112,000 | 228,000 | 349,000 | 472,000 |
| Noninterest expense | 1,789,000 | 3,613,000 | 5,637,000 | 7,507,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 640,000 |
| Pretax income | 1,482,000 | 2,985,000 | 4,399,000 | 6,191,000 |
| Income tax | 495,000 | 1,050,000 | 1,556,000 | 2,150,000 |
| Net income | 987,000 | 1,935,000 | 2,843,000 | 4,041,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,901,000 | 28,979,000 | 29,836,000 | 31,034,000 |
| Total capital | 31,758,000 | 31,920,000 | 32,922,000 | 34,263,000 |
| Risk-weighted assets | 227,652,000 | 234,395,000 | 246,053,000 | 257,519,000 |