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 | 419,034,000 | 422,188,000 | 424,471,000 | 434,010,000 |
| Total loans | 270,798,000 | 276,002,000 | 285,527,000 | 296,195,000 |
| Allowance for loan losses | 2,349,000 | 2,668,000 | 2,750,000 | 2,837,000 |
| Securities available for sale | 104,336,000 | 106,374,000 | 101,348,000 | 95,347,000 |
| Securities held to maturity | 8,274,000 | 8,574,000 | 8,409,000 | 8,307,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 351,719,000 | 354,825,000 | 355,250,000 | 364,759,000 |
| Interest-bearing deposits | 317,716,000 | 319,148,000 | 319,485,000 | 322,129,000 |
| Noninterest-bearing deposits | 34,003,000 | 35,677,000 | 35,765,000 | 42,630,000 |
| Equity capital | 39,150,000 | 38,538,000 | 38,818,000 | 38,952,000 |
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 | 3,571,000 | 7,179,000 | 10,826,000 | 14,570,000 |
| Interest expense | 494,000 | 1,004,000 | 1,493,000 | 1,999,000 |
| Net interest income | 3,077,000 | 6,175,000 | 9,333,000 | 12,571,000 |
| Noninterest income | 396,000 | 755,000 | 1,259,000 | 1,689,000 |
| Noninterest expense | 2,609,000 | 5,257,000 | 8,057,000 | 10,805,000 |
| Provision for loan losses | 233,000 | 714,000 | 1,071,000 | 1,175,000 |
| Pretax income | 631,000 | 959,000 | 1,464,000 | 2,280,000 |
| Income tax | 149,000 | 192,000 | 288,000 | 488,000 |
| Net income | 482,000 | 767,000 | 1,176,000 | 1,792,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,063,000 | 37,067,000 | 37,192,000 | 37,524,000 |
| Total capital | 39,412,000 | 39,735,000 | 39,947,000 | 40,361,000 |
| Risk-weighted assets | 261,464,000 | 268,188,000 | 273,808,000 | 280,994,000 |