Call reports 2013
MAIN STREET BANK — 2013
What MAIN STREET BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 153,007,000 | 152,012,000 | 155,678,000 | 159,956,000 |
| Total loans | 123,072,000 | 126,995,000 | 134,861,000 | 138,331,000 |
| Allowance for loan losses | 1,248,000 | 1,259,000 | 1,335,000 | 1,181,000 |
| Securities available for sale | 2,297,000 | 2,146,000 | 4,673,000 | 5,457,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 140,994,000 | 137,969,000 | 135,114,000 | 138,188,000 |
| Interest-bearing deposits | 120,030,000 | 125,674,000 | 123,489,000 | 123,193,000 |
| Noninterest-bearing deposits | 20,964,000 | 12,295,000 | 11,625,000 | 14,995,000 |
| Equity capital | 11,875,000 | 13,251,000 | 14,411,000 | 14,459,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,608,000 | 3,334,000 | 5,127,000 | 7,031,000 |
| Interest expense | 294,000 | 599,000 | 909,000 | 1,195,000 |
| Net interest income | 1,314,000 | 2,735,000 | 4,218,000 | 5,836,000 |
| Noninterest income | 3,133,000 | 6,316,000 | 9,001,000 | 10,905,000 |
| Noninterest expense | 3,182,000 | 7,044,000 | 9,530,000 | 12,559,000 |
| Provision for loan losses | 244,000 | 356,000 | 430,000 | 692,000 |
| Pretax income | 1,021,000 | 1,651,000 | 3,259,000 | 3,490,000 |
| Income tax | 291,000 | 561,000 | 1,023,000 | 1,123,000 |
| Net income | 730,000 | 1,090,000 | 2,236,000 | 2,367,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,673,000 | 13,083,000 | 14,189,000 | 14,273,000 |
| Total capital | 12,920,000 | 14,342,000 | 15,524,000 | 15,454,000 |
| Risk-weighted assets | 109,834,000 | 114,307,000 | 120,150,000 | 125,172,000 |