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 | 17,685,000 | 22,395,000 | 30,965,000 | 36,330,000 |
| Total loans | 2,743,000 | 6,340,000 | 8,209,000 | 8,175,000 |
| Allowance for loan losses | 30,000 | 64,000 | 83,000 | 83,000 |
| Securities available for sale | 0 | 0 | 2,481,000 | 2,451,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 10,666,000 | 15,620,000 | 24,339,000 | 29,828,000 |
| Interest-bearing deposits | 8,660,000 | 12,860,000 | 19,558,000 | 20,478,000 |
| Noninterest-bearing deposits | 2,006,000 | 2,760,000 | 4,781,000 | 9,350,000 |
| Equity capital | 6,974,000 | 6,731,000 | 6,574,000 | 6,440,000 |
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 | 178,000 | 447,000 | 845,000 | 1,307,000 |
| Interest expense | 70,000 | 193,000 | 376,000 | 617,000 |
| Net interest income | 108,000 | 254,000 | 469,000 | 690,000 |
| Noninterest income | 10,000 | 20,000 | 31,000 | 41,000 |
| Noninterest expense | 354,000 | 731,000 | 1,117,000 | 1,492,000 |
| Provision for loan losses | 20,000 | 54,000 | 73,000 | 73,000 |
| Pretax income | -256,000 | -511,000 | -690,000 | -834,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -256,000 | -511,000 | -690,000 | -834,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,974,000 | 6,731,000 | 6,566,000 | 6,434,000 |
| Total capital | 7,004,000 | 6,795,000 | 6,649,000 | 6,517,000 |
| Risk-weighted assets | 5,960,000 | 8,254,000 | 11,575,000 | 12,761,000 |