Call reports 2006
MAINSTREET BANK — 2006
What MAINSTREET BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 95,376,000 | 111,455,000 | 108,883,000 | 106,642,000 |
| Total loans | 64,519,000 | 75,761,000 | 75,724,000 | 82,492,000 |
| Allowance for loan losses | 774,000 | 911,000 | 910,000 | 957,000 |
| Securities available for sale | 21,937,000 | 22,778,000 | 23,981,000 | 17,134,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,090,000 | 83,206,000 | 80,343,000 | 78,000,000 |
| Interest-bearing deposits | 53,625,000 | 73,407,000 | 67,913,000 | 67,390,000 |
| Noninterest-bearing deposits | 13,465,000 | 9,799,000 | 12,430,000 | 10,610,000 |
| Equity capital | 22,204,000 | 22,129,000 | 22,273,000 | 22,405,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,493,000 | 3,280,000 | 5,281,000 | 7,312,000 |
| Interest expense | 583,000 | 1,286,000 | 2,163,000 | 3,034,000 |
| Net interest income | 910,000 | 1,994,000 | 3,118,000 | 4,278,000 |
| Noninterest income | 20,000 | 47,000 | 75,000 | 101,000 |
| Noninterest expense | 913,000 | 1,883,000 | 2,964,000 | 4,068,000 |
| Provision for loan losses | 80,000 | 217,000 | 217,000 | 264,000 |
| Pretax income | -63,000 | -59,000 | 12,000 | 47,000 |
| Income tax | -22,000 | -20,000 | 4,000 | 16,000 |
| Net income | -41,000 | -39,000 | 8,000 | 31,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,460,000 | 22,469,000 | 22,521,000 | 22,605,000 |
| Total capital | 23,234,000 | 23,380,000 | 23,431,000 | 23,562,000 |
| Risk-weighted assets | 76,922,000 | 95,442,000 | 91,543,000 | 94,911,000 |