Call reports 2016
MAINSTREET COMMUNITY BANK OF FLORIDA — 2016
What MAINSTREET COMMUNITY BANK OF FLORIDA reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 276,887,000 | 305,145,000 | 316,988,000 | 333,466,000 |
| Total loans | 185,959,000 | 195,520,000 | 219,071,000 | 232,574,000 |
| Allowance for loan losses | 2,910,000 | 2,987,000 | 3,014,000 | 3,205,000 |
| Securities available for sale | 61,248,000 | 69,665,000 | 67,052,000 | 60,949,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 249,219,000 | 276,582,000 | 287,827,000 | 305,754,000 |
| Interest-bearing deposits | 183,679,000 | 201,474,000 | 207,857,000 | 225,578,000 |
| Noninterest-bearing deposits | 65,540,000 | 75,108,000 | 79,970,000 | 80,176,000 |
| Equity capital | 26,676,000 | 27,331,000 | 27,886,000 | 26,387,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,585,000 | 5,333,000 | 8,176,000 | 11,260,000 |
| Interest expense | 177,000 | 363,000 | 552,000 | 739,000 |
| Net interest income | 2,408,000 | 4,970,000 | 7,624,000 | 10,521,000 |
| Noninterest income | 336,000 | 808,000 | 1,372,000 | 1,776,000 |
| Noninterest expense | 2,277,000 | 4,760,000 | 7,347,000 | 9,874,000 |
| Provision for loan losses | 119,000 | 178,000 | 178,000 | 356,000 |
| Pretax income | 354,000 | 849,000 | 1,500,000 | 2,122,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 354,000 | 849,000 | 1,500,000 | 2,122,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,174,000 | 26,531,000 | 27,018,000 | 27,154,000 |
| Total capital | 28,773,000 | 29,456,000 | 30,032,000 | 30,359,000 |
| Risk-weighted assets | 207,673,000 | 233,951,000 | 250,623,000 | 259,264,000 |