Call reports 2007
MAIN STREET BANK — 2007
What MAIN STREET BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 32,587,000 | 29,216,000 | 30,962,000 | 37,910,000 |
| Total loans | 10,582,000 | 13,987,000 | 17,239,000 | 21,459,000 |
| Allowance for loan losses | 107,000 | 141,000 | 173,000 | 215,000 |
| Securities available for sale | 4,096,000 | 3,935,000 | 3,355,000 | 3,807,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,248,000 | 23,058,000 | 24,872,000 | 31,857,000 |
| Interest-bearing deposits | 21,274,000 | 18,867,000 | 20,558,000 | 26,526,000 |
| Noninterest-bearing deposits | 4,974,000 | 4,191,000 | 4,314,000 | 5,331,000 |
| Equity capital | 6,291,000 | 6,107,000 | 6,005,000 | 5,956,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 485,000 | 956,000 | 1,457,000 | 1,988,000 |
| Interest expense | 262,000 | 502,000 | 758,000 | 1,032,000 |
| Net interest income | 223,000 | 454,000 | 699,000 | 956,000 |
| Noninterest income | 13,000 | 25,000 | 46,000 | 70,000 |
| Noninterest expense | 382,000 | 760,000 | 1,132,000 | 1,452,000 |
| Provision for loan losses | 24,000 | 58,000 | 90,000 | 132,000 |
| Pretax income | -170,000 | -339,000 | -477,000 | -558,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -170,000 | -339,000 | -477,000 | -558,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,277,000 | 6,113,000 | 5,981,000 | 5,906,000 |
| Total capital | 6,384,000 | 6,254,000 | 6,154,000 | 6,121,000 |
| Risk-weighted assets | 14,197,000 | 15,981,000 | 19,193,000 | 23,982,000 |