Call reports 2009
MAIN STREET BANK — 2009
What MAIN STREET BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 43,072,000 | 44,462,000 | 45,638,000 | 54,355,000 |
| Total loans | 33,785,000 | 36,592,000 | 39,945,000 | 45,964,000 |
| Allowance for loan losses | 1,050,000 | 1,085,000 | 1,133,000 | 1,013,000 |
| Securities available for sale | 3,330,000 | 3,567,000 | 3,157,000 | 2,970,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,162,000 | 39,823,000 | 41,023,000 | 49,610,000 |
| Interest-bearing deposits | 36,195,000 | 36,254,000 | 36,754,000 | 45,163,000 |
| Noninterest-bearing deposits | 1,967,000 | 3,569,000 | 4,269,000 | 4,447,000 |
| Equity capital | 4,805,000 | 4,529,000 | 4,539,000 | 4,477,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 550,000 | 1,092,000 | 1,714,000 | 2,406,000 |
| Interest expense | 223,000 | 420,000 | 590,000 | 766,000 |
| Net interest income | 327,000 | 672,000 | 1,124,000 | 1,640,000 |
| Noninterest income | 46,000 | 84,000 | 123,000 | 161,000 |
| Noninterest expense | 383,000 | 821,000 | 1,268,000 | 1,776,000 |
| Provision for loan losses | 82,000 | 317,000 | 371,000 | 484,000 |
| Pretax income | -92,000 | -382,000 | -392,000 | -459,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -92,000 | -382,000 | -392,000 | -459,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,724,000 | 4,449,000 | 4,454,000 | 4,400,000 |
| Total capital | 5,151,000 | 4,919,000 | 4,964,000 | 4,991,000 |
| Risk-weighted assets | 33,557,000 | 36,227,000 | 40,150,000 | 46,876,000 |