Call reports 2006
MAINSTREET COMMUNITY BANK OF FLORIDA — 2006
What MAINSTREET COMMUNITY BANK OF FLORIDA reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 79,001,000 | 86,619,000 | 91,959,000 | 95,848,000 |
| Total loans | 54,968,000 | 62,750,000 | 70,784,000 | 79,409,000 |
| Allowance for loan losses | 662,000 | 757,000 | 806,000 | 851,000 |
| Securities available for sale | 11,528,000 | 11,495,000 | 11,297,000 | 10,247,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,889,000 | 79,463,000 | 81,646,000 | 85,127,000 |
| Interest-bearing deposits | 55,185,000 | 62,955,000 | 66,658,000 | 69,557,000 |
| Noninterest-bearing deposits | 16,704,000 | 16,508,000 | 14,988,000 | 15,570,000 |
| Equity capital | 6,727,000 | 6,644,000 | 9,751,000 | 9,948,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,151,000 | 2,547,000 | 4,131,000 | 5,896,000 |
| Interest expense | 468,000 | 1,025,000 | 1,685,000 | 2,436,000 |
| Net interest income | 683,000 | 1,522,000 | 2,446,000 | 3,460,000 |
| Noninterest income | 116,000 | 242,000 | 401,000 | 617,000 |
| Noninterest expense | 860,000 | 1,796,000 | 2,782,000 | 3,814,000 |
| Provision for loan losses | 52,000 | 147,000 | 207,000 | 252,000 |
| Pretax income | -113,000 | -179,000 | -142,000 | 11,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -113,000 | -179,000 | -142,000 | 11,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,839,000 | 6,772,000 | 9,811,000 | 9,967,000 |
| Total capital | 7,501,000 | 7,529,000 | 10,617,000 | 10,818,000 |
| Risk-weighted assets | 61,869,000 | 69,646,000 | 76,509,000 | 84,092,000 |