Call reports 2012
MAIN STREET BANK — 2012
What MAIN STREET BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 450,109,000 | 457,840,000 | 457,131,000 | 465,526,000 |
| Total loans | 258,196,000 | 256,386,000 | 263,824,000 | 275,102,000 |
| Allowance for loan losses | 2,974,000 | 3,014,000 | 3,029,000 | 3,251,000 |
| Securities available for sale | 90,355,000 | 94,266,000 | 94,120,000 | 97,152,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 457,000 | 0 | 0 | 0 |
| Total deposits | 371,392,000 | 383,207,000 | 384,781,000 | 392,490,000 |
| Interest-bearing deposits | 339,092,000 | 346,249,000 | 347,119,000 | 348,015,000 |
| Noninterest-bearing deposits | 32,300,000 | 36,958,000 | 37,662,000 | 44,475,000 |
| Equity capital | 44,543,000 | 45,476,000 | 46,512,000 | 46,285,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,296,000 | 8,635,000 | 12,904,000 | 17,197,000 |
| Interest expense | 813,000 | 1,582,000 | 2,275,000 | 2,928,000 |
| Net interest income | 3,483,000 | 7,053,000 | 10,629,000 | 14,269,000 |
| Noninterest income | 382,000 | 674,000 | 1,035,000 | 1,348,000 |
| Noninterest expense | 2,616,000 | 5,383,000 | 8,077,000 | 11,144,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 480,000 |
| Pretax income | 1,203,000 | 2,302,000 | 3,533,000 | 4,146,000 |
| Income tax | 424,000 | 800,000 | 1,218,000 | 1,396,000 |
| Net income | 779,000 | 1,502,000 | 2,315,000 | 2,750,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,192,000 | 45,916,000 | 46,728,000 | 47,164,000 |
| Total capital | 48,659,000 | 49,534,000 | 50,490,000 | 50,846,000 |
| Risk-weighted assets | 256,648,000 | 245,990,000 | 260,853,000 | 273,986,000 |