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 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 35,301,000 | 37,760,000 | 35,145,000 | 36,380,000 |
| Total loans | 26,611,000 | 26,760,000 | 28,763,000 | 31,280,000 |
| Allowance for loan losses | 267,000 | 268,000 | 290,000 | 962,000 |
| Securities available for sale | 2,953,000 | 2,787,000 | 2,629,000 | 3,807,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,391,000 | 31,910,000 | 29,399,000 | 31,371,000 |
| Interest-bearing deposits | 27,405,000 | 29,283,000 | 27,306,000 | 28,592,000 |
| Noninterest-bearing deposits | 1,986,000 | 2,627,000 | 2,093,000 | 2,779,000 |
| Equity capital | 5,829,000 | 5,765,000 | 5,663,000 | 4,898,000 |
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 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 523,000 | 999,000 | 1,507,000 | 2,003,000 |
| Interest expense | 268,000 | 504,000 | 729,000 | 942,000 |
| Net interest income | 255,000 | 495,000 | 778,000 | 1,061,000 |
| Noninterest income | 30,000 | 64,000 | 105,000 | 161,000 |
| Noninterest expense | 372,000 | 716,000 | 1,129,000 | 1,561,000 |
| Provision for loan losses | 52,000 | 53,000 | 75,000 | 847,000 |
| Pretax income | -139,000 | -210,000 | -321,000 | -1,186,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -139,000 | -210,000 | -321,000 | -1,186,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,779,000 | 5,721,000 | 5,626,000 | 4,800,000 |
| Total capital | 6,046,000 | 5,989,000 | 5,916,000 | 5,191,000 |
| Risk-weighted assets | 27,450,000 | 28,128,000 | 29,249,000 | 30,838,000 |