Call reports 2013
MAIN STREET BANK — 2013
What MAIN STREET BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 464,112,000 | 462,588,000 | 471,327,000 | 478,558,000 |
| Total loans | 278,167,000 | 282,938,000 | 289,020,000 | 299,372,000 |
| Allowance for loan losses | 3,301,000 | 3,343,000 | 3,389,000 | 3,577,000 |
| Securities available for sale | 98,687,000 | 94,067,000 | 89,243,000 | 89,302,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 386,226,000 | 384,879,000 | 392,587,000 | 398,462,000 |
| Interest-bearing deposits | 345,810,000 | 344,966,000 | 348,954,000 | 343,579,000 |
| Noninterest-bearing deposits | 40,416,000 | 39,913,000 | 43,633,000 | 54,883,000 |
| Equity capital | 48,450,000 | 49,532,000 | 48,939,000 | 51,533,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 4,142,000 | 8,291,000 | 12,408,000 | 16,580,000 |
| Interest expense | 601,000 | 1,188,000 | 1,738,000 | 2,271,000 |
| Net interest income | 3,541,000 | 7,103,000 | 10,670,000 | 14,309,000 |
| Noninterest income | 451,000 | 845,000 | 1,202,000 | 1,520,000 |
| Noninterest expense | 2,893,000 | 5,871,000 | 8,876,000 | 12,247,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 480,000 |
| Pretax income | 1,096,000 | 2,149,000 | 3,323,000 | 4,198,000 |
| Income tax | 368,000 | 712,000 | 1,102,000 | 1,361,000 |
| Net income | 728,000 | 1,437,000 | 2,221,000 | 2,837,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,891,000 | 48,911,000 | 49,696,000 | 50,312,000 |
| Total capital | 52,308,000 | 53,551,000 | 54,337,000 | 55,568,000 |
| Risk-weighted assets | 287,040,000 | 291,489,000 | 298,135,000 | 309,892,000 |