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 | 2005Q3 | 2005Q4 |
|---|---|---|
| Total assets | 12,075,000 | 14,219,000 |
| Total loans | 147,000 | 928,000 |
| Allowance for loan losses | 2,000 | 10,000 |
| Securities available for sale | 0 | 0 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 4,568,000 | 6,958,000 |
| Interest-bearing deposits | 3,972,000 | 5,966,000 |
| Noninterest-bearing deposits | 596,000 | 992,000 |
| Equity capital | 7,487,000 | 7,218,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q3 | 2005Q4 |
|---|---|---|
| Interest income | 21,000 | 152,000 |
| Interest expense | 3,000 | 54,000 |
| Net interest income | 18,000 | 98,000 |
| Noninterest income | 18,000 | 25,000 |
| Noninterest expense | 101,000 | 449,000 |
| Provision for loan losses | 2,000 | 10,000 |
| Pretax income | -67,000 | -336,000 |
| Income tax | 0 | 0 |
| Net income | -67,000 | -336,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q3 | 2005Q4 |
|---|---|---|
| Tier 1 capital | 7,487,000 | 7,218,000 |
| Total capital | 7,489,000 | 7,228,000 |
| Risk-weighted assets | 2,721,000 | 3,789,000 |