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 | 478,588,000 | 489,478,000 | 494,425,000 | 493,771,000 |
| Total loans | 386,020,000 | 396,013,000 | 406,110,000 | 381,947,000 |
| Allowance for loan losses | 3,467,000 | 3,576,000 | 3,755,000 | 3,598,000 |
| Securities available for sale | 46,225,000 | 44,354,000 | 42,561,000 | 48,848,000 |
| Securities held to maturity | 11,083,000 | 11,057,000 | 10,538,000 | 10,324,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 393,154,000 | 406,834,000 | 405,660,000 | 411,358,000 |
| Interest-bearing deposits | 347,871,000 | 357,985,000 | 352,995,000 | 357,430,000 |
| Noninterest-bearing deposits | 45,283,000 | 48,849,000 | 52,665,000 | 53,928,000 |
| Equity capital | 45,884,000 | 47,574,000 | 47,261,000 | 48,015,000 |
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 | 4,840,000 | 9,847,000 | 15,007,000 | 20,155,000 |
| Interest expense | 818,000 | 1,720,000 | 2,679,000 | 3,637,000 |
| Net interest income | 4,022,000 | 8,127,000 | 12,328,000 | 16,518,000 |
| Noninterest income | 550,000 | 1,187,000 | 1,777,000 | 2,493,000 |
| Noninterest expense | 2,518,000 | 5,164,000 | 7,802,000 | 10,563,000 |
| Provision for loan losses | 84,000 | 220,000 | 401,000 | 406,000 |
| Pretax income | 1,970,000 | 3,930,000 | 5,902,000 | 8,042,000 |
| Income tax | 373,000 | 728,000 | 1,097,000 | 1,489,000 |
| Net income | 1,597,000 | 3,202,000 | 4,805,000 | 6,553,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,008,000 | 46,060,000 | 45,502,000 | 46,474,000 |
| Total capital | 48,482,000 | 49,638,000 | 49,264,000 | 50,076,000 |
| Risk-weighted assets | 350,881,000 | 364,726,000 | 375,321,000 | 364,527,000 |