Call reports 2015
MAIN STREET BANK — 2015
What MAIN STREET BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 494,675,000 | 501,614,000 | 508,875,000 | 516,737,000 |
| Total loans | 326,859,000 | 335,333,000 | 338,383,000 | 344,765,000 |
| Allowance for loan losses | 4,200,000 | 4,225,000 | 4,274,000 | 4,327,000 |
| Securities available for sale | 73,972,000 | 67,659,000 | 83,017,000 | 86,148,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 403,989,000 | 409,473,000 | 420,477,000 | 428,173,000 |
| Interest-bearing deposits | 349,351,000 | 350,455,000 | 359,238,000 | 364,959,000 |
| Noninterest-bearing deposits | 54,638,000 | 59,018,000 | 61,239,000 | 63,214,000 |
| Equity capital | 56,498,000 | 56,527,000 | 56,873,000 | 57,557,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,252,000 | 8,640,000 | 13,093,000 | 17,452,000 |
| Interest expense | 516,000 | 1,053,000 | 1,610,000 | 2,177,000 |
| Net interest income | 3,736,000 | 7,587,000 | 11,483,000 | 15,275,000 |
| Noninterest income | 352,000 | 721,000 | 1,130,000 | 1,536,000 |
| Noninterest expense | 3,141,000 | 6,514,000 | 9,725,000 | 13,329,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 1,964,000 | 2,932,000 | 4,114,000 | 4,852,000 |
| Income tax | 677,000 | 976,000 | 1,376,000 | 1,578,000 |
| Net income | 1,287,000 | 1,956,000 | 2,738,000 | 3,274,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,676,000 | 55,345,000 | 56,126,000 | 56,663,000 |
| Total capital | 58,973,000 | 59,685,000 | 60,510,000 | 62,095,000 |
| Risk-weighted assets | 367,730,000 | 391,924,000 | 386,753,000 | 387,915,000 |