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 | 438,128,000 | 449,548,000 | 445,989,000 | 455,189,000 |
| Total loans | 309,202,000 | 318,335,000 | 324,404,000 | 335,409,000 |
| Allowance for loan losses | 2,771,000 | 2,776,000 | 2,907,000 | 3,040,000 |
| Securities available for sale | 89,258,000 | 86,605,000 | 80,770,000 | 70,709,000 |
| Securities held to maturity | 8,288,000 | 9,159,000 | 8,780,000 | 9,559,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 367,401,000 | 378,161,000 | 377,831,000 | 386,851,000 |
| Interest-bearing deposits | 325,249,000 | 336,840,000 | 335,238,000 | 338,905,000 |
| Noninterest-bearing deposits | 42,152,000 | 41,321,000 | 42,593,000 | 47,946,000 |
| Equity capital | 39,982,000 | 40,520,000 | 40,652,000 | 39,332,000 |
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 | 3,853,000 | 7,699,000 | 11,670,000 | 15,626,000 |
| Interest expense | 499,000 | 1,024,000 | 1,564,000 | 2,097,000 |
| Net interest income | 3,354,000 | 6,675,000 | 10,106,000 | 13,529,000 |
| Noninterest income | 431,000 | 959,000 | 1,459,000 | 1,890,000 |
| Noninterest expense | 2,830,000 | 5,700,000 | 8,643,000 | 11,854,000 |
| Provision for loan losses | -67,000 | -56,000 | 152,000 | 365,000 |
| Pretax income | 1,022,000 | 1,990,000 | 2,770,000 | 3,200,000 |
| Income tax | 274,000 | 525,000 | 708,000 | 792,000 |
| Net income | 748,000 | 1,465,000 | 2,062,000 | 2,408,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,238,000 | 38,670,000 | 38,982,000 | 38,133,000 |
| Total capital | 41,009,000 | 41,446,000 | 41,892,000 | 41,176,000 |
| Risk-weighted assets | 291,373,000 | 300,865,000 | 293,883,000 | 292,413,000 |