Call reports 2003
MAIN BANK, NATIONAL ASSOCIATION — 2003
What MAIN BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 |
|---|---|---|---|
| Total assets | 205,862,000 | 195,684,000 | 177,237,000 |
| Total loans | 114,432,000 | 104,405,000 | 90,834,000 |
| Allowance for loan losses | 1,658,000 | 1,291,000 | 453,000 |
| Securities available for sale | 24,578,000 | 26,108,000 | 17,800,000 |
| Securities held to maturity | 4,607,000 | 4,169,000 | 4,019,000 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 182,315,000 | 171,330,000 | 153,300,000 |
| Interest-bearing deposits | 125,947,000 | 121,186,000 | 103,510,000 |
| Noninterest-bearing deposits | 56,368,000 | 50,144,000 | 49,790,000 |
| Equity capital | 22,387,000 | 22,723,000 | 22,591,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 |
|---|---|---|---|
| Interest income | 2,357,000 | 4,516,000 | 6,511,000 |
| Interest expense | 559,000 | 1,057,000 | 1,396,000 |
| Net interest income | 1,798,000 | 3,459,000 | 5,115,000 |
| Noninterest income | 720,000 | 1,362,000 | 1,376,000 |
| Noninterest expense | 2,062,000 | 3,874,000 | 5,745,000 |
| Provision for loan losses | 600,000 | 600,000 | 600,000 |
| Pretax income | -144,000 | 347,000 | 146,000 |
| Income tax | -62,000 | 93,000 | 13,000 |
| Net income | -82,000 | 254,000 | 133,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 |
|---|---|---|---|
| Tier 1 capital | 18,457,000 | 18,793,000 | 18,672,000 |
| Total capital | 19,939,000 | 20,084,000 | 19,125,000 |
| Risk-weighted assets | 118,388,000 | 109,147,000 | 96,659,000 |