Call reports 2019
MAIN STREET BANK CORP. — 2019
What MAIN STREET BANK CORP. reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 454,205,000 | 456,711,000 | 455,629,000 | 472,531,000 |
| Total loans | 382,406,000 | 381,676,000 | 381,037,000 | 380,168,000 |
| Allowance for loan losses | 5,460,000 | 5,461,000 | 5,509,000 | 5,201,000 |
| Securities available for sale | 191,000 | 173,000 | 139,000 | 134,000 |
| Securities held to maturity | 34,488,000 | 34,486,000 | 34,485,000 | 34,529,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 374,165,000 | 372,243,000 | 372,930,000 | 385,053,000 |
| Interest-bearing deposits | 309,651,000 | 305,602,000 | 302,475,000 | 313,779,000 |
| Noninterest-bearing deposits | 64,514,000 | 66,641,000 | 70,455,000 | 71,274,000 |
| Equity capital | 43,325,000 | 43,346,000 | 44,550,000 | 46,142,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 5,396,000 | 10,988,000 | 16,502,000 | 22,272,000 |
| Interest expense | 1,051,000 | 2,207,000 | 3,438,000 | 4,678,000 |
| Net interest income | 4,345,000 | 8,781,000 | 13,064,000 | 17,594,000 |
| Noninterest income | 47,000 | 140,000 | 244,000 | 358,000 |
| Noninterest expense | 2,583,000 | 5,223,000 | 7,790,000 | 10,350,000 |
| Provision for loan losses | 225,000 | 450,000 | 675,000 | 678,000 |
| Pretax income | 1,584,000 | 3,248,000 | 4,843,000 | 6,924,000 |
| Income tax | 380,000 | 772,000 | 1,163,000 | 1,652,000 |
| Net income | 1,204,000 | 2,476,000 | 3,680,000 | 5,272,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,322,000 | 43,343,000 | 44,547,000 | 46,139,000 |
| Total capital | 47,486,000 | 47,509,000 | 48,697,000 | 50,328,000 |
| Risk-weighted assets | 331,877,000 | 332,045,000 | 330,681,000 | 334,166,000 |