Call reports 2012
MAINSTREET BANK — 2012
What MAINSTREET BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 279,903,000 | 250,820,000 | 251,644,000 | 271,495,000 |
| Total loans | 206,554,000 | 201,515,000 | 211,184,000 | 215,515,000 |
| Allowance for loan losses | 3,696,000 | 2,557,000 | 2,124,000 | 2,342,000 |
| Securities available for sale | 18,968,000 | 17,751,000 | 16,262,000 | 34,562,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 252,435,000 | 225,426,000 | 221,659,000 | 241,359,000 |
| Interest-bearing deposits | 212,249,000 | 186,452,000 | 179,307,000 | 200,480,000 |
| Noninterest-bearing deposits | 40,186,000 | 38,974,000 | 42,352,000 | 40,879,000 |
| Equity capital | 24,463,000 | 24,150,000 | 24,451,000 | 24,660,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,038,000 | 6,037,000 | 9,032,000 | 12,098,000 |
| Interest expense | 686,000 | 1,238,000 | 1,738,000 | 2,257,000 |
| Net interest income | 2,352,000 | 4,799,000 | 7,294,000 | 9,841,000 |
| Noninterest income | 168,000 | 384,000 | 628,000 | 852,000 |
| Noninterest expense | 2,303,000 | 4,693,000 | 7,079,000 | 9,434,000 |
| Provision for loan losses | 600,000 | 1,550,000 | 1,610,000 | 1,830,000 |
| Pretax income | 202,000 | -475,000 | -182,000 | 86,000 |
| Income tax | 70,000 | -160,000 | -59,000 | 41,000 |
| Net income | 132,000 | -315,000 | -123,000 | 45,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,375,000 | 23,981,000 | 24,228,000 | 24,449,000 |
| Total capital | 27,112,000 | 26,538,000 | 26,352,000 | 26,791,000 |
| Risk-weighted assets | 218,010,000 | 216,145,000 | 222,962,000 | 225,686,000 |