Call reports 2007
MAINSTREET COMMUNITY BANK OF FLORIDA — 2007
What MAINSTREET COMMUNITY BANK OF FLORIDA reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 118,444,000 | 125,537,000 | 128,315,000 | 131,848,000 |
| Total loans | 86,495,000 | 87,337,000 | 101,717,000 | 109,638,000 |
| Allowance for loan losses | 915,000 | 938,000 | 1,093,000 | 1,228,000 |
| Securities available for sale | 10,189,000 | 13,126,000 | 12,694,000 | 10,726,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,882,000 | 112,211,000 | 114,867,000 | 117,582,000 |
| Interest-bearing deposits | 87,062,000 | 93,866,000 | 98,707,000 | 100,737,000 |
| Noninterest-bearing deposits | 20,820,000 | 18,345,000 | 16,160,000 | 16,845,000 |
| Equity capital | 10,002,000 | 12,615,000 | 12,686,000 | 12,944,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,915,000 | 4,054,000 | 6,239,000 | 8,547,000 |
| Interest expense | 887,000 | 1,916,000 | 3,014,000 | 4,156,000 |
| Net interest income | 1,028,000 | 2,138,000 | 3,225,000 | 4,391,000 |
| Noninterest income | 203,000 | 407,000 | 621,000 | 837,000 |
| Noninterest expense | 1,133,000 | 2,300,000 | 3,468,000 | 4,685,000 |
| Provision for loan losses | 66,000 | 95,000 | 265,000 | 405,000 |
| Pretax income | 32,000 | 150,000 | 113,000 | 138,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 32,000 | 150,000 | 113,000 | 138,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,998,000 | 12,654,000 | 12,617,000 | 12,815,000 |
| Total capital | 10,913,000 | 13,592,000 | 13,710,000 | 14,043,000 |
| Risk-weighted assets | 100,820,000 | 99,799,000 | 111,593,000 | 118,230,000 |