Call reports 2005
MAINSTREET COMMUNITY BANK OF FLORIDA — 2005
What MAINSTREET COMMUNITY BANK OF FLORIDA reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 37,134,000 | 49,633,000 | 55,495,000 | 68,520,000 |
| Total loans | 28,161,000 | 33,704,000 | 40,902,000 | 50,122,000 |
| Allowance for loan losses | 347,000 | 421,000 | 500,000 | 610,000 |
| Securities available for sale | 4,146,000 | 8,184,000 | 8,515,000 | 10,541,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,548,000 | 43,164,000 | 49,182,000 | 62,297,000 |
| Interest-bearing deposits | 24,206,000 | 35,720,000 | 38,263,000 | 49,727,000 |
| Noninterest-bearing deposits | 6,342,000 | 7,444,000 | 10,919,000 | 12,570,000 |
| Equity capital | 6,414,000 | 6,167,000 | 5,963,000 | 5,846,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 470,000 | 1,117,000 | 1,914,000 | 2,915,000 |
| Interest expense | 151,000 | 394,000 | 685,000 | 1,067,000 |
| Net interest income | 319,000 | 723,000 | 1,229,000 | 1,848,000 |
| Noninterest income | 59,000 | 131,000 | 238,000 | 342,000 |
| Noninterest expense | 532,000 | 1,210,000 | 1,938,000 | 2,635,000 |
| Provision for loan losses | 61,000 | 135,000 | 214,000 | 324,000 |
| Pretax income | -215,000 | -491,000 | -685,000 | -769,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -215,000 | -491,000 | -685,000 | -769,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,505,000 | 6,229,000 | 6,036,000 | 5,951,000 |
| Total capital | 6,852,000 | 6,650,000 | 6,536,000 | 6,561,000 |
| Risk-weighted assets | 30,585,000 | 38,728,000 | 47,128,000 | 55,407,000 |