Call reports 2016
MAIN STREET BANK — 2016
What MAIN STREET BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 533,555,000 | 524,479,000 | 521,180,000 | 532,019,000 |
| Total loans | 344,961,000 | 347,701,000 | 352,006,000 | 362,054,000 |
| Allowance for loan losses | 4,370,000 | 4,402,000 | 4,442,000 | 4,489,000 |
| Securities available for sale | 90,610,000 | 94,199,000 | 98,357,000 | 94,881,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 445,112,000 | 440,604,000 | 436,748,000 | 444,022,000 |
| Interest-bearing deposits | 382,042,000 | 377,908,000 | 366,680,000 | 409,640,000 |
| Noninterest-bearing deposits | 63,070,000 | 62,696,000 | 70,068,000 | 34,382,000 |
| Equity capital | 58,617,000 | 59,377,000 | 59,610,000 | 59,985,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 4,408,000 | 8,866,000 | 13,347,000 | 17,975,000 |
| Interest expense | 583,000 | 1,183,000 | 1,769,000 | 2,363,000 |
| Net interest income | 3,825,000 | 7,683,000 | 11,578,000 | 15,612,000 |
| Noninterest income | 391,000 | 816,000 | 1,308,000 | 1,744,000 |
| Noninterest expense | 3,352,000 | 6,963,000 | 10,735,000 | 14,587,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 901,000 | 1,748,000 | 2,396,000 | 3,521,000 |
| Income tax | 285,000 | 524,000 | 690,000 | 1,029,000 |
| Net income | 616,000 | 1,224,000 | 1,706,000 | 2,492,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,279,000 | 57,887,000 | 58,368,000 | 59,161,000 |
| Total capital | 61,761,000 | 63,547,000 | 62,941,000 | 63,779,000 |
| Risk-weighted assets | 402,594,000 | 402,307,000 | 420,347,000 | 434,844,000 |