Call reports 2020
MAIN STREET BANK — 2020
What MAIN STREET BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 305,463,000 | 333,360,000 | 337,472,000 | 322,996,000 |
| Total loans | 268,428,000 | 293,605,000 | 297,235,000 | 286,623,000 |
| Allowance for loan losses | 0 | 969,000 | 2,154,000 | 3,322,000 |
| Securities available for sale | 3,468,000 | 3,293,000 | 2,921,000 | 1,724,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 245,719,000 | 262,192,000 | 270,504,000 | 257,963,000 |
| Interest-bearing deposits | 212,092,000 | 211,571,000 | 207,531,000 | 202,784,000 |
| Noninterest-bearing deposits | 33,627,000 | 50,621,000 | 62,973,000 | 55,179,000 |
| Equity capital | 42,865,000 | 46,209,000 | 47,615,000 | 49,347,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,312,000 | 6,956,000 | 11,185,000 | 15,041,000 |
| Interest expense | 678,000 | 1,490,000 | 2,105,000 | 2,513,000 |
| Net interest income | 1,634,000 | 5,466,000 | 9,080,000 | 12,528,000 |
| Noninterest income | 2,165,000 | 9,097,000 | 13,458,000 | 19,941,000 |
| Noninterest expense | 2,722,000 | 10,635,000 | 15,220,000 | 21,458,000 |
| Provision for loan losses | 0 | 976,000 | 2,176,000 | 3,341,000 |
| Pretax income | 1,077,000 | 2,952,000 | 5,142,000 | 7,670,000 |
| Income tax | 212,000 | 620,000 | 1,080,000 | 1,691,000 |
| Net income | 865,000 | 2,332,000 | 4,062,000 | 5,979,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,127,000 | 25,605,000 | 26,981,000 | 29,087,000 |
| Total capital | 21,127,000 | — | — | — |
| Risk-weighted assets | 222,174,000 | — | — | — |