Call reports 2004
MAINSTREET COMMUNITY BANK OF FLORIDA — 2004
What MAINSTREET COMMUNITY BANK OF FLORIDA reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 20,864,000 | 22,885,000 | 29,732,000 | 33,218,000 |
| Total loans | 8,101,000 | 14,139,000 | 18,590,000 | 23,168,000 |
| Allowance for loan losses | 100,000 | 178,000 | 231,000 | 286,000 |
| Securities available for sale | 4,273,000 | 4,176,000 | 4,223,000 | 4,194,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,362,000 | 16,720,000 | 23,676,000 | 27,335,000 |
| Interest-bearing deposits | 11,080,000 | 14,484,000 | 20,395,000 | 23,238,000 |
| Noninterest-bearing deposits | 3,282,000 | 2,236,000 | 3,281,000 | 4,097,000 |
| Equity capital | 6,401,000 | 6,040,000 | 5,884,000 | 5,674,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 148,000 | 352,000 | 643,000 | 1,034,000 |
| Interest expense | 28,000 | 74,000 | 152,000 | 280,000 |
| Net interest income | 120,000 | 278,000 | 491,000 | 754,000 |
| Noninterest income | 21,000 | 35,000 | 57,000 | 89,000 |
| Noninterest expense | 367,000 | 732,000 | 1,124,000 | 1,551,000 |
| Provision for loan losses | 50,000 | 128,000 | 181,000 | 236,000 |
| Pretax income | -276,000 | -547,000 | -757,000 | -944,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -276,000 | -547,000 | -757,000 | -944,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,388,000 | 6,117,000 | 5,907,000 | 5,720,000 |
| Total capital | 6,488,000 | 6,295,000 | 6,138,000 | 6,006,000 |
| Risk-weighted assets | 11,147,000 | 15,989,000 | 20,886,000 | 25,807,000 |