Call reports 2020
MAIN STREET BANK CORP. — 2020
What MAIN STREET BANK CORP. reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 480,643,000 | 515,677,000 | 511,641,000 | 510,534,000 |
| Total loans | 375,243,000 | 383,412,000 | 392,788,000 | 394,346,000 |
| Allowance for loan losses | 5,347,000 | 5,508,000 | 5,864,000 | 6,008,000 |
| Securities available for sale | 2,203,000 | 4,727,000 | 19,962,000 | 19,404,000 |
| Securities held to maturity | 40,046,000 | 55,321,000 | 40,845,000 | 39,344,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 396,428,000 | 430,174,000 | 434,509,000 | 432,063,000 |
| Interest-bearing deposits | 325,966,000 | 340,350,000 | 339,192,000 | 335,881,000 |
| Noninterest-bearing deposits | 70,462,000 | 89,824,000 | 95,317,000 | 96,182,000 |
| Equity capital | 47,026,000 | 46,815,000 | 47,844,000 | 49,065,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 5,486,000 | 10,732,000 | 15,973,000 | 21,210,000 |
| Interest expense | 1,244,000 | 2,388,000 | 3,456,000 | 4,369,000 |
| Net interest income | 4,242,000 | 8,344,000 | 12,517,000 | 16,841,000 |
| Noninterest income | 42,000 | 131,000 | 233,000 | 442,000 |
| Noninterest expense | 2,735,000 | 5,403,000 | 8,160,000 | 10,750,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 1,186,000 | 2,767,000 | 4,148,000 | 5,935,000 |
| Income tax | 333,000 | 646,000 | 973,000 | 1,414,000 |
| Net income | 853,000 | 2,121,000 | 3,175,000 | 4,521,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,026,000 | 46,760,000 | 47,814,000 | 49,160,000 |