Call reports 2005
MAIN STREET BANK — 2005
What MAIN STREET BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 46,859,000 | 65,168,000 | 78,029,000 | 95,001,000 |
| Total loans | 34,419,000 | 53,001,000 | 62,694,000 | 80,320,000 |
| Allowance for loan losses | 345,000 | 530,000 | 627,000 | 804,000 |
| Securities available for sale | 4,440,000 | 4,461,000 | 5,943,000 | 7,935,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,805,000 | 59,305,000 | 67,735,000 | 84,329,000 |
| Interest-bearing deposits | 38,225,000 | 51,736,000 | 58,758,000 | 76,289,000 |
| Noninterest-bearing deposits | 2,580,000 | 7,569,000 | 8,977,000 | 8,040,000 |
| Equity capital | 5,870,000 | 5,633,000 | 9,921,000 | 9,902,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 498,000 | 1,362,000 | 2,534,000 | 4,049,000 |
| Interest expense | 206,000 | 583,000 | 1,113,000 | 1,743,000 |
| Net interest income | 292,000 | 779,000 | 1,421,000 | 2,306,000 |
| Noninterest income | 271,000 | 561,000 | 884,000 | 1,112,000 |
| Noninterest expense | 813,000 | 1,664,000 | 2,576,000 | 3,615,000 |
| Provision for loan losses | 89,000 | 274,000 | 371,000 | 607,000 |
| Pretax income | -339,000 | -598,000 | -642,000 | -804,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -339,000 | -598,000 | -642,000 | -804,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,954,000 | 5,696,000 | 10,001,000 | 9,989,000 |
| Total capital | 6,299,000 | 6,226,000 | 10,628,000 | 10,793,000 |
| Risk-weighted assets | 35,128,000 | 51,656,000 | 64,825,000 | 81,991,000 |