Call reports 2006
MAIN STREET BANK — 2006
What MAIN STREET BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 108,615,000 | 133,630,000 | 138,270,000 | 140,788,000 |
| Total loans | 93,524,000 | 103,770,000 | 110,809,000 | 119,057,000 |
| Allowance for loan losses | 939,000 | 1,082,000 | 1,127,000 | 1,191,000 |
| Securities available for sale | 10,915,000 | 12,269,000 | 13,579,000 | 14,096,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,928,000 | 122,309,000 | 124,573,000 | 122,770,000 |
| Interest-bearing deposits | 92,366,000 | 107,701,000 | 118,574,000 | 115,359,000 |
| Noninterest-bearing deposits | 5,562,000 | 14,608,000 | 5,998,000 | 7,411,000 |
| Equity capital | 9,852,000 | 10,210,000 | 12,489,000 | 13,720,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,822,000 | 4,042,000 | 6,546,000 | 9,251,000 |
| Interest expense | 879,000 | 2,008,000 | 3,305,000 | 4,750,000 |
| Net interest income | 943,000 | 2,034,000 | 3,241,000 | 4,501,000 |
| Noninterest income | 220,000 | 504,000 | 825,000 | 1,188,000 |
| Noninterest expense | 1,049,000 | 2,187,000 | 3,402,000 | 4,744,000 |
| Provision for loan losses | 146,000 | 289,000 | 372,000 | 487,000 |
| Pretax income | -32,000 | 62,000 | 292,000 | 458,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -32,000 | 62,000 | 292,000 | 458,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,957,000 | 10,339,000 | 12,524,000 | 13,753,000 |
| Total capital | 10,896,000 | 11,421,000 | 13,651,000 | 14,944,000 |
| Risk-weighted assets | 92,010,000 | 103,338,000 | 109,591,000 | 115,167,000 |