Call reports 2025
MAIN STREET BANK CORP. — 2025
What MAIN STREET BANK CORP. reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,413,034,000 | 1,448,348,000 | 1,470,556,000 | 1,494,856,000 |
| Total loans | 1,143,757,000 | 1,174,105,000 | 1,203,890,000 | 1,222,619,000 |
| Allowance for loan losses | 12,029,000 | 12,398,000 | 12,710,000 | 13,130,000 |
| Securities available for sale | 156,592,000 | 152,030,000 | 150,459,000 | 150,453,000 |
| Securities held to maturity | 6,078,000 | 6,066,000 | 6,055,000 | 5,150,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,188,598,000 | 1,242,838,000 | 1,291,979,000 | 1,335,942,000 |
| Interest-bearing deposits | 1,025,166,000 | 1,071,085,000 | 1,124,198,000 | 1,180,572,000 |
| Noninterest-bearing deposits | 163,432,000 | 171,753,000 | 167,781,000 | 155,370,000 |
| Equity capital | 132,124,000 | 131,604,000 | 138,274,000 | 143,004,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 19,459,000 | 40,215,000 | 61,394,000 | 83,519,000 |
| Interest expense | 7,666,000 | 15,656,000 | 23,835,000 | 31,908,000 |
| Net interest income | 11,793,000 | 24,559,000 | 37,559,000 | 51,611,000 |
| Noninterest income | 719,000 | 1,505,000 | 2,676,000 | 3,530,000 |
| Noninterest expense | 7,393,000 | 15,590,000 | 23,266,000 | 31,095,000 |
| Provision for loan losses | 198,000 | 602,000 | 1,108,000 | 1,568,000 |
| Pretax income | 4,875,000 | 9,855,000 | 15,871,000 | 22,471,000 |
| Income tax | 1,022,000 | 2,095,000 | 3,357,000 | 4,818,000 |
| Net income | 3,853,000 | 7,760,000 | 12,514,000 | 17,653,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 125,922,000 | 126,982,000 | 128,424,000 | 132,820,000 |
| Total capital | 138,471,000 | 139,871,000 | 141,598,000 | 146,431,000 |
| Risk-weighted assets | 1,108,194,000 | 1,139,670,000 | 1,158,659,000 | 1,168,295,000 |