Call reports 2016
MAIN STREET BANK — 2016
What MAIN STREET BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 206,394,000 | 207,498,000 | 215,641,000 | 217,828,000 |
| Total loans | 186,250,000 | 187,264,000 | 192,813,000 | 198,807,000 |
| Allowance for loan losses | 1,324,000 | 1,346,000 | 1,226,000 | 1,302,000 |
| Securities available for sale | 8,275,000 | 8,814,000 | 8,402,000 | 7,874,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 187,984,000 | 188,415,000 | 194,840,000 | 194,213,000 |
| Interest-bearing deposits | 165,275,000 | 159,441,000 | 168,533,000 | 165,368,000 |
| Noninterest-bearing deposits | 22,709,000 | 28,974,000 | 26,307,000 | 28,845,000 |
| Equity capital | 17,364,000 | 17,960,000 | 18,943,000 | 19,196,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,389,000 | 4,846,000 | 7,326,000 | 9,861,000 |
| Interest expense | 375,000 | 787,000 | 1,205,000 | 1,632,000 |
| Net interest income | 2,014,000 | 4,059,000 | 6,121,000 | 8,229,000 |
| Noninterest income | 2,569,000 | 5,714,000 | 9,345,000 | 12,253,000 |
| Noninterest expense | 3,694,000 | 7,547,000 | 11,737,000 | 16,079,000 |
| Provision for loan losses | 0 | 325,000 | 325,000 | 400,000 |
| Pretax income | 889,000 | 1,901,000 | 3,404,000 | 4,003,000 |
| Income tax | 302,000 | 646,000 | 1,157,000 | 1,361,000 |
| Net income | 587,000 | 1,255,000 | 2,247,000 | 2,642,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,059,000 | 17,614,000 | 18,606,000 | 19,004,000 |
| Total capital | 18,382,000 | 18,960,000 | 19,833,000 | 20,306,000 |
| Risk-weighted assets | 160,791,000 | 160,172,000 | 163,183,000 | 167,216,000 |