Call reports 2008
MAINSTREET COMMUNITY BANK OF FLORIDA — 2008
What MAINSTREET COMMUNITY BANK OF FLORIDA reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 143,911,000 | 147,097,000 | 159,448,000 | 163,583,000 |
| Total loans | 115,516,000 | 124,059,000 | 134,417,000 | 135,706,000 |
| Allowance for loan losses | 1,281,000 | 1,412,000 | 1,575,000 | 2,125,000 |
| Securities available for sale | 8,788,000 | 8,618,000 | 8,557,000 | 8,729,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,229,000 | 130,377,000 | 139,606,000 | 144,199,000 |
| Interest-bearing deposits | 108,091,000 | 111,951,000 | 121,839,000 | 124,828,000 |
| Noninterest-bearing deposits | 19,138,000 | 18,426,000 | 17,767,000 | 19,371,000 |
| Equity capital | 14,496,000 | 14,472,000 | 14,520,000 | 14,210,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,218,000 | 4,428,000 | 6,701,000 | 8,969,000 |
| Interest expense | 1,100,000 | 2,115,000 | 3,168,000 | 4,279,000 |
| Net interest income | 1,118,000 | 2,313,000 | 3,533,000 | 4,690,000 |
| Noninterest income | 207,000 | 441,000 | 662,000 | 876,000 |
| Noninterest expense | 1,230,000 | 2,448,000 | 3,666,000 | 4,788,000 |
| Provision for loan losses | 164,000 | 303,000 | 473,000 | 1,076,000 |
| Pretax income | -69,000 | 3,000 | 56,000 | -298,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -69,000 | 3,000 | 56,000 | -298,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,272,000 | 14,359,000 | 14,428,000 | 14,089,000 |
| Total capital | 15,553,000 | 15,771,000 | 16,003,000 | 16,053,000 |
| Risk-weighted assets | 127,037,000 | 144,592,000 | 156,673,000 | 157,002,000 |