Call reports 2016
MAIN STREET BANK CORP. — 2016
What MAIN STREET BANK CORP. reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 383,808,000 | 384,256,000 | 400,212,000 | 408,530,000 |
| Total loans | 321,292,000 | 326,529,000 | 337,531,000 | 346,904,000 |
| Allowance for loan losses | 4,166,000 | 4,311,000 | 4,423,000 | 4,321,000 |
| Securities available for sale | 355,000 | 344,000 | 333,000 | 321,000 |
| Securities held to maturity | 33,595,000 | 33,613,000 | 32,108,000 | 35,014,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 327,051,000 | 324,721,000 | 333,907,000 | 340,088,000 |
| Interest-bearing deposits | 271,993,000 | 271,987,000 | 279,341,000 | 276,498,000 |
| Noninterest-bearing deposits | 55,058,000 | 52,734,000 | 54,566,000 | 63,590,000 |
| Equity capital | 32,237,000 | 32,359,000 | 33,416,000 | 34,576,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 4,345,000 | 8,697,000 | 13,280,000 | 18,001,000 |
| Interest expense | 607,000 | 1,249,000 | 1,912,000 | 2,600,000 |
| Net interest income | 3,738,000 | 7,448,000 | 11,368,000 | 15,401,000 |
| Noninterest income | 121,000 | 252,000 | 271,000 | 330,000 |
| Noninterest expense | 1,845,000 | 3,866,000 | 5,886,000 | 7,816,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 800,000 |
| Pretax income | 1,864,000 | 3,534,000 | 5,303,000 | 7,115,000 |
| Income tax | 660,000 | 1,235,000 | 1,896,000 | 2,550,000 |
| Net income | 1,204,000 | 2,299,000 | 3,407,000 | 4,565,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,227,000 | 32,359,000 | 33,416,000 | 34,576,000 |
| Total capital | 35,614,000 | 35,800,000 | 36,954,000 | 38,229,000 |
| Risk-weighted assets | 270,177,000 | 274,401,000 | 282,143,000 | 291,594,000 |