Call reports 2014
MAIN STREET BANK — 2014
What MAIN STREET BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 478,187,000 | 480,849,000 | 485,972,000 | 481,677,000 |
| Total loans | 299,616,000 | 309,740,000 | 316,667,000 | 320,358,000 |
| Allowance for loan losses | 3,674,000 | 3,709,000 | 3,746,000 | 4,080,000 |
| Securities available for sale | 82,860,000 | 84,292,000 | 78,165,000 | 75,303,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 395,573,000 | 395,259,000 | 387,747,000 | 393,622,000 |
| Interest-bearing deposits | 345,522,000 | 337,153,000 | 333,939,000 | 338,220,000 |
| Noninterest-bearing deposits | 50,051,000 | 58,106,000 | 53,808,000 | 55,402,000 |
| Equity capital | 52,843,000 | 54,014,000 | 54,546,000 | 55,864,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 4,167,000 | 8,374,000 | 12,663,000 | 16,991,000 |
| Interest expense | 514,000 | 1,034,000 | 1,545,000 | 2,066,000 |
| Net interest income | 3,653,000 | 7,340,000 | 11,118,000 | 14,925,000 |
| Noninterest income | 306,000 | 612,000 | 983,000 | 1,369,000 |
| Noninterest expense | 3,049,000 | 6,297,000 | 9,264,000 | 12,422,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 530,000 |
| Pretax income | 1,261,000 | 2,255,000 | 3,556,000 | 4,506,000 |
| Income tax | 415,000 | 726,000 | 1,160,000 | 1,430,000 |
| Net income | 846,000 | 1,529,000 | 2,396,000 | 3,076,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,157,000 | 51,841,000 | 52,706,000 | 53,386,000 |
| Total capital | 56,620,000 | 57,478,000 | 58,267,000 | 59,607,000 |
| Risk-weighted assets | 311,563,000 | 322,712,000 | 332,926,000 | 335,399,000 |