Call reports 2023
MAIN STREET BANK CORP. — 2023
What MAIN STREET BANK CORP. reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 614,644,000 | 597,342,000 | 589,788,000 | 603,772,000 |
| Total loans | 411,358,000 | 418,426,000 | 416,301,000 | 428,081,000 |
| Allowance for loan losses | 6,677,000 | 6,397,000 | 6,406,000 | 6,061,000 |
| Securities available for sale | 52,807,000 | 52,076,000 | 52,002,000 | 53,542,000 |
| Securities held to maturity | 88,821,000 | 84,958,000 | 82,269,000 | 76,518,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 521,185,000 | 493,296,000 | 475,735,000 | 480,675,000 |
| Interest-bearing deposits | 388,095,000 | 371,953,000 | 354,059,000 | 347,671,000 |
| Noninterest-bearing deposits | 133,090,000 | 121,343,000 | 121,676,000 | 133,004,000 |
| Equity capital | 53,957,000 | 54,716,000 | 54,830,000 | 57,314,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 6,534,000 | 13,192,000 | 19,857,000 | 26,950,000 |
| Interest expense | 909,000 | 2,435,000 | 4,393,000 | 6,787,000 |
| Net interest income | 5,625,000 | 10,757,000 | 15,464,000 | 20,163,000 |
| Noninterest income | 140,000 | 290,000 | -853,000 | -488,000 |
| Noninterest expense | 3,093,000 | 5,964,000 | 8,827,000 | 12,029,000 |
| Provision for loan losses | 150,000 | 300,000 | 300,000 | 100,000 |
| Pretax income | 2,522,000 | 4,783,000 | 5,484,000 | 7,546,000 |
| Income tax | 571,000 | 1,092,000 | 1,254,000 | 1,675,000 |
| Net income | 1,951,000 | 3,691,000 | 4,230,000 | 5,871,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,707,000 | 60,009,000 | 60,150,000 | 61,395,000 |