Call reports 2025
MAIN STREET BANK — 2025
What MAIN STREET BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,627,695,000 | 1,688,610,000 | 1,656,354,000 | 1,671,068,000 |
| Total loans | 1,340,271,000 | 1,323,031,000 | 1,316,133,000 | 1,299,638,000 |
| Allowance for loan losses | 11,693,000 | 11,172,000 | 10,117,000 | 11,943,000 |
| Securities available for sale | 169,967,000 | 242,775,000 | 246,464,000 | 249,054,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,370,450,000 | 1,427,178,000 | 1,343,939,000 | 1,322,610,000 |
| Interest-bearing deposits | 1,122,520,000 | 1,169,720,000 | 1,091,542,000 | 1,083,332,000 |
| Noninterest-bearing deposits | 247,930,000 | 257,458,000 | 252,397,000 | 239,278,000 |
| Equity capital | 157,235,000 | 159,975,000 | 174,288,000 | 177,705,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 20,263,000 | 40,207,000 | 61,307,000 | 82,621,000 |
| Interest expense | 9,611,000 | 18,695,000 | 28,174,000 | 37,040,000 |
| Net interest income | 10,652,000 | 21,512,000 | 33,133,000 | 45,581,000 |
| Noninterest income | 759,000 | 1,593,000 | 2,394,000 | 2,782,000 |
| Noninterest expense | 8,831,000 | 18,162,000 | 27,103,000 | 36,047,000 |
| Provision for loan losses | -984,000 | -1,504,000 | -2,537,000 | -690,000 |
| Pretax income | 3,830,000 | 6,717,000 | 11,112,000 | 13,383,000 |
| Income tax | 961,000 | 1,279,000 | 2,464,000 | 2,899,000 |
| Net income | 2,869,000 | 5,438,000 | 8,648,000 | 10,484,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 179,776,000 | 183,076,000 | 194,658,000 | 196,794,000 |
| Total capital | 192,130,000 | 194,908,000 | 205,557,000 | 209,253,000 |
| Risk-weighted assets | 1,195,066,000 | 1,235,086,000 | 1,229,230,000 | 1,210,490,000 |