Call reports 2009
MAINSTREET BANK — 2009
What MAINSTREET BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 200,906,000 | 205,901,000 | 213,257,000 | 236,064,000 |
| Total loans | 148,887,000 | 158,583,000 | 166,730,000 | 184,133,000 |
| Allowance for loan losses | 1,834,000 | 1,879,000 | 1,958,000 | 2,383,000 |
| Securities available for sale | 30,292,000 | 27,900,000 | 29,433,000 | 27,909,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 155,578,000 | 160,138,000 | 167,435,000 | 189,838,000 |
| Interest-bearing deposits | 137,562,000 | 142,496,000 | 146,857,000 | 171,944,000 |
| Noninterest-bearing deposits | 18,016,000 | 17,642,000 | 20,578,000 | 17,894,000 |
| Equity capital | 22,609,000 | 22,396,000 | 22,706,000 | 22,339,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,501,000 | 5,135,000 | 7,919,000 | 10,931,000 |
| Interest expense | 1,161,000 | 2,348,000 | 3,533,000 | 4,622,000 |
| Net interest income | 1,340,000 | 2,787,000 | 4,386,000 | 6,309,000 |
| Noninterest income | 64,000 | 132,000 | 217,000 | 292,000 |
| Noninterest expense | 1,370,000 | 2,888,000 | 4,378,000 | 6,041,000 |
| Provision for loan losses | 213,000 | 258,000 | 333,000 | 758,000 |
| Pretax income | 67,000 | 138,000 | 257,000 | 167,000 |
| Income tax | 23,000 | 46,000 | 87,000 | -352,000 |
| Net income | 44,000 | 92,000 | 170,000 | 519,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,738,000 | 22,817,000 | 22,927,000 | 22,260,000 |
| Total capital | 24,572,000 | 24,696,000 | 24,885,000 | 24,643,000 |
| Risk-weighted assets | 158,370,000 | 166,770,000 | 175,440,000 | 194,660,000 |