Call reports 2025
MAINSTREET COMMUNITY BANK OF FLORIDA — 2025
What MAINSTREET COMMUNITY BANK OF FLORIDA reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 864,491,000 | 885,289,000 | 928,568,000 | 911,121,000 |
| Total loans | 615,287,000 | 614,648,000 | 615,925,000 | 672,998,000 |
| Allowance for loan losses | 7,689,000 | 7,559,000 | 7,516,000 | 8,137,000 |
| Securities available for sale | 168,305,000 | 165,508,000 | 158,722,000 | 148,384,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 789,583,000 | 809,250,000 | 847,742,000 | 825,468,000 |
| Interest-bearing deposits | 538,893,000 | 558,556,000 | 603,924,000 | 593,767,000 |
| Noninterest-bearing deposits | 250,690,000 | 250,694,000 | 243,818,000 | 231,701,000 |
| Equity capital | 68,227,000 | 69,562,000 | 74,179,000 | 79,003,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 10,408,000 | 21,372,000 | 32,935,000 | 44,563,000 |
| Interest expense | 3,452,000 | 7,034,000 | 10,915,000 | 14,783,000 |
| Net interest income | 6,956,000 | 14,338,000 | 22,020,000 | 29,780,000 |
| Noninterest income | 1,525,000 | 2,687,000 | 3,836,000 | 5,081,000 |
| Noninterest expense | 5,825,000 | 11,423,000 | 16,929,000 | 23,111,000 |
| Provision for loan losses | 239,000 | 2,079,000 | 2,084,000 | 2,919,000 |
| Pretax income | 2,417,000 | 3,523,000 | 6,843,000 | 8,831,000 |
| Income tax | 587,000 | 863,000 | 1,645,000 | 1,782,000 |
| Net income | 1,830,000 | 2,660,000 | 5,198,000 | 7,049,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 78,343,000 | 79,174,000 | 81,712,000 | 85,563,000 |