Call reports 2014
MAIN STREET BANK — 2014
What MAIN STREET BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 155,694,000 | 161,809,000 | 176,122,000 | 176,602,000 |
| Total loans | 136,885,000 | 141,710,000 | 155,598,000 | 157,948,000 |
| Allowance for loan losses | 1,184,000 | 1,188,000 | 1,072,000 | 1,125,000 |
| Securities available for sale | 5,273,000 | 7,974,000 | 7,524,000 | 7,230,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 140,752,000 | 140,592,000 | 143,944,000 | 146,328,000 |
| Interest-bearing deposits | 126,612,000 | 124,962,000 | 125,479,000 | 125,062,000 |
| Noninterest-bearing deposits | 14,140,000 | 15,630,000 | 18,465,000 | 21,266,000 |
| Equity capital | 14,451,000 | 14,653,000 | 14,953,000 | 15,254,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,870,000 | 3,765,000 | 5,831,000 | 7,985,000 |
| Interest expense | 273,000 | 545,000 | 822,000 | 1,111,000 |
| Net interest income | 1,597,000 | 3,220,000 | 5,009,000 | 6,874,000 |
| Noninterest income | 1,653,000 | 3,836,000 | 6,487,000 | 9,190,000 |
| Noninterest expense | 2,794,000 | 5,834,000 | 9,290,000 | 12,815,000 |
| Provision for loan losses | 0 | 0 | -20,000 | 30,000 |
| Pretax income | 456,000 | 1,222,000 | 2,226,000 | 3,219,000 |
| Income tax | 156,000 | 416,000 | 758,000 | 1,114,000 |
| Net income | 300,000 | 806,000 | 1,468,000 | 2,105,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,232,000 | 14,397,000 | 14,755,000 | 14,999,000 |
| Total capital | 15,416,000 | 15,585,000 | 15,827,000 | 16,124,000 |
| Risk-weighted assets | 124,545,000 | 129,708,000 | 141,536,000 | 144,994,000 |