Call reports 2015
MAIN STREET BANK — 2015
What MAIN STREET BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 175,792,000 | 193,016,000 | 196,225,000 | 199,453,000 |
| Total loans | 157,955,000 | 170,783,000 | 176,465,000 | 182,067,000 |
| Allowance for loan losses | 1,297,000 | 1,263,000 | 1,265,000 | 1,372,000 |
| Securities available for sale | 6,940,000 | 9,375,000 | 8,986,000 | 8,539,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,608,000 | 163,863,000 | 163,056,000 | 171,501,000 |
| Interest-bearing deposits | 136,499,000 | 143,645,000 | 142,066,000 | 147,762,000 |
| Noninterest-bearing deposits | 18,109,000 | 20,218,000 | 20,990,000 | 23,739,000 |
| Equity capital | 15,735,000 | 16,389,000 | 17,460,000 | 16,692,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,099,000 | 4,269,000 | 6,716,000 | 9,056,000 |
| Interest expense | 279,000 | 573,000 | 881,000 | 1,238,000 |
| Net interest income | 1,820,000 | 3,696,000 | 5,835,000 | 7,818,000 |
| Noninterest income | 2,885,000 | 5,975,000 | 9,398,000 | 11,664,000 |
| Noninterest expense | 3,448,000 | 7,237,000 | 11,214,000 | 15,012,000 |
| Provision for loan losses | 170,000 | 220,000 | 220,000 | 325,000 |
| Pretax income | 1,087,000 | 2,214,000 | 3,799,000 | 4,145,000 |
| Income tax | 368,000 | 751,000 | 1,298,000 | 1,481,000 |
| Net income | 719,000 | 1,463,000 | 2,501,000 | 2,664,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,422,000 | 16,166,000 | 17,170,000 | 16,472,000 |
| Total capital | 16,719,000 | 17,430,000 | 18,436,000 | 17,844,000 |
| Risk-weighted assets | 140,911,000 | 150,407,000 | 160,574,000 | 160,177,000 |