Call reports 2010
MAIN STREET BANK — 2010
What MAIN STREET BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 57,911,000 | 65,190,000 | 70,003,000 | 86,181,000 |
| Total loans | 51,767,000 | 54,926,000 | 59,607,000 | 67,410,000 |
| Allowance for loan losses | 1,098,000 | 1,048,000 | 1,334,000 | 1,307,000 |
| Securities available for sale | 2,789,000 | 2,971,000 | 2,527,000 | 2,092,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,809,000 | 59,049,000 | 64,164,000 | 79,656,000 |
| Interest-bearing deposits | 45,938,000 | 54,264,000 | 58,615,000 | 74,288,000 |
| Noninterest-bearing deposits | 5,871,000 | 4,785,000 | 5,549,000 | 5,368,000 |
| Equity capital | 5,853,000 | 5,851,000 | 5,467,000 | 6,204,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 779,000 | 1,674,000 | 2,661,000 | 3,928,000 |
| Interest expense | 205,000 | 425,000 | 664,000 | 955,000 |
| Net interest income | 574,000 | 1,249,000 | 1,997,000 | 2,973,000 |
| Noninterest income | 43,000 | 156,000 | 364,000 | 1,346,000 |
| Noninterest expense | 497,000 | 1,185,000 | 2,075,000 | 3,929,000 |
| Provision for loan losses | 82,000 | 232,000 | 689,000 | 829,000 |
| Pretax income | 41,000 | -9,000 | -400,000 | -436,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 41,000 | -9,000 | -400,000 | -436,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,781,000 | 5,779,000 | 5,398,000 | 5,961,000 |
| Total capital | 6,448,000 | 6,485,000 | 6,153,000 | 6,788,000 |
| Risk-weighted assets | 52,894,000 | 55,897,000 | 59,670,000 | 65,621,000 |