Call reports 2013
MAINSTREET BANK — 2013
What MAINSTREET BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 269,582,000 | 265,503,000 | 271,508,000 | 277,314,000 |
| Total loans | 215,719,000 | 223,650,000 | 219,468,000 | 226,187,000 |
| Allowance for loan losses | 2,387,000 | 2,398,000 | 2,461,000 | 2,470,000 |
| Securities available for sale | 13,176,000 | 15,249,000 | 22,470,000 | 26,077,000 |
| Securities held to maturity | 0 | 0 | 6,580,000 | 8,207,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 239,344,000 | 238,065,000 | 245,118,000 | 250,362,000 |
| Interest-bearing deposits | 199,596,000 | 196,049,000 | 198,988,000 | 207,598,000 |
| Noninterest-bearing deposits | 39,748,000 | 42,016,000 | 46,130,000 | 42,764,000 |
| Equity capital | 24,791,000 | 24,807,000 | 24,964,000 | 25,292,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,027,000 | 6,116,000 | 9,154,000 | 12,301,000 |
| Interest expense | 527,000 | 1,040,000 | 1,545,000 | 2,014,000 |
| Net interest income | 2,500,000 | 5,076,000 | 7,609,000 | 10,287,000 |
| Noninterest income | 204,000 | 402,000 | 585,000 | 828,000 |
| Noninterest expense | 2,404,000 | 4,784,000 | 7,117,000 | 9,394,000 |
| Provision for loan losses | 70,000 | 145,000 | 170,000 | 224,000 |
| Pretax income | 199,000 | 567,000 | 925,000 | 1,515,000 |
| Income tax | 65,000 | 193,000 | 319,000 | 502,000 |
| Net income | 134,000 | 374,000 | 606,000 | 1,013,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,635,000 | 24,924,000 | 25,205,000 | 25,663,000 |
| Total capital | 27,022,000 | 27,322,000 | 27,666,000 | 28,133,000 |
| Risk-weighted assets | 225,120,000 | 238,448,000 | 234,268,000 | 241,481,000 |