Call reports 2008
MAIN STREET BANK — 2008
What MAIN STREET BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 |
|---|---|---|
| Total assets | 131,877,000 | 112,368,000 |
| Total loans | 98,306,000 | 92,478,000 |
| Allowance for loan losses | 2,495,000 | 1,945,000 |
| Securities available for sale | 12,602,000 | 11,078,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 119,904,000 | 98,934,000 |
| Interest-bearing deposits | 114,546,000 | 92,941,000 |
| Noninterest-bearing deposits | 5,358,000 | 5,993,000 |
| Equity capital | 5,899,000 | 2,797,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 |
|---|---|---|
| Interest income | 1,969,000 | 3,664,000 |
| Interest expense | 1,540,000 | 2,775,000 |
| Net interest income | 429,000 | 889,000 |
| Noninterest income | 217,000 | 329,000 |
| Noninterest expense | 1,699,000 | 3,138,000 |
| Provision for loan losses | 2,132,000 | 4,622,000 |
| Pretax income | -3,185,000 | -6,537,000 |
| Income tax | 0 | 0 |
| Net income | -3,185,000 | -6,537,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 |
|---|---|---|
| Tier 1 capital | 5,785,000 | 2,809,000 |
| Total capital | 7,103,000 | 4,011,000 |
| Risk-weighted assets | 104,244,000 | 95,438,000 |