Call reports 2010
MAINSTREET BANK — 2010
What MAINSTREET BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 252,276,000 | 241,723,000 | 237,242,000 | 239,882,000 |
| Total loans | 190,851,000 | 187,116,000 | 191,458,000 | 192,361,000 |
| Allowance for loan losses | 2,583,000 | 2,309,000 | 3,133,000 | 3,707,000 |
| Securities available for sale | 25,720,000 | 26,554,000 | 26,844,000 | 24,774,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 212,397,000 | 205,651,000 | 200,039,000 | 204,847,000 |
| Interest-bearing deposits | 192,846,000 | 179,231,000 | 175,586,000 | 178,352,000 |
| Noninterest-bearing deposits | 19,551,000 | 26,420,000 | 24,453,000 | 26,495,000 |
| Equity capital | 22,592,000 | 22,620,000 | 22,993,000 | 22,937,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,124,000 | 6,306,000 | 9,575,000 | 12,850,000 |
| Interest expense | 1,078,000 | 2,083,000 | 2,946,000 | 3,746,000 |
| Net interest income | 2,046,000 | 4,223,000 | 6,629,000 | 9,104,000 |
| Noninterest income | 83,000 | 174,000 | 409,000 | 594,000 |
| Noninterest expense | 1,815,000 | 3,803,000 | 5,745,000 | 7,911,000 |
| Provision for loan losses | 200,000 | 675,000 | 1,670,000 | 2,265,000 |
| Pretax income | 114,000 | 250,000 | -36,000 | -137,000 |
| Income tax | 0 | 0 | -381,000 | -553,000 |
| Net income | 114,000 | 250,000 | 345,000 | 416,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,429,000 | 22,624,000 | 22,778,000 | 22,873,000 |
| Total capital | 24,926,000 | 24,933,000 | 25,328,000 | 25,467,000 |
| Risk-weighted assets | 199,658,000 | 193,761,000 | 203,446,000 | 206,417,000 |