Call reports 2004
MAIN STREET BANK — 2004
What MAIN STREET BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 10,211,000 | 17,101,000 | 21,559,000 | 31,945,000 |
| Total loans | 1,390,000 | 5,214,000 | 13,344,000 | 25,567,000 |
| Allowance for loan losses | 17,000 | 65,000 | 134,000 | 256,000 |
| Securities available for sale | 3,278,000 | 4,429,000 | 4,248,000 | 3,730,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,701,000 | 10,051,000 | 14,788,000 | 25,615,000 |
| Interest-bearing deposits | 1,485,000 | 6,773,000 | 12,153,000 | 23,605,000 |
| Noninterest-bearing deposits | 1,216,000 | 3,278,000 | 2,635,000 | 2,010,000 |
| Equity capital | 7,354,000 | 7,015,000 | 6,735,000 | 6,248,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 9,000 | 104,000 | 261,000 | 578,000 |
| Interest expense | 1,000 | 21,000 | 74,000 | 189,000 |
| Net interest income | 8,000 | 83,000 | 187,000 | 389,000 |
| Noninterest income | 0 | 99,000 | 182,000 | 373,000 |
| Noninterest expense | 137,000 | 531,000 | 972,000 | 1,713,000 |
| Provision for loan losses | 17,000 | 65,000 | 134,000 | 256,000 |
| Pretax income | -146,000 | -414,000 | -737,000 | -1,207,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -146,000 | -414,000 | -737,000 | -1,207,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,354,000 | 7,086,000 | 6,763,000 | 6,293,000 |
| Total capital | 7,371,000 | 7,151,000 | 6,897,000 | 6,549,000 |
| Risk-weighted assets | 2,837,000 | 7,635,000 | 14,602,000 | 25,132,000 |