Call reports 2014
MAINSTREET BANK — 2014
What MAINSTREET BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 304,805,000 | 315,861,000 | 322,364,000 | 344,976,000 |
| Total loans | 241,191,000 | 249,915,000 | 255,846,000 | 271,853,000 |
| Allowance for loan losses | 2,875,000 | 2,685,000 | 2,682,000 | 2,759,000 |
| Securities available for sale | 30,818,000 | 35,788,000 | 32,699,000 | 38,643,000 |
| Securities held to maturity | 8,955,000 | 8,942,000 | 11,880,000 | 13,866,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 278,076,000 | 288,195,000 | 288,396,000 | 302,354,000 |
| Interest-bearing deposits | 234,639,000 | 241,776,000 | 239,350,000 | 250,792,000 |
| Noninterest-bearing deposits | 43,437,000 | 46,419,000 | 49,046,000 | 51,562,000 |
| Equity capital | 25,534,000 | 26,213,000 | 26,845,000 | 39,763,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,214,000 | 6,829,000 | 10,406,000 | 14,262,000 |
| Interest expense | 473,000 | 996,000 | 1,522,000 | 2,070,000 |
| Net interest income | 2,741,000 | 5,833,000 | 8,884,000 | 12,192,000 |
| Noninterest income | 150,000 | 377,000 | 712,000 | 891,000 |
| Noninterest expense | 2,398,000 | 4,930,000 | 7,544,000 | 10,097,000 |
| Provision for loan losses | 388,000 | 463,000 | 463,000 | 586,000 |
| Pretax income | 105,000 | 817,000 | 1,694,000 | 2,505,000 |
| Income tax | 37,000 | 281,000 | 529,000 | 752,000 |
| Net income | 68,000 | 536,000 | 1,165,000 | 1,753,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,779,000 | 26,296,000 | 26,972,000 | 39,772,000 |
| Total capital | 28,654,000 | 28,981,000 | 29,654,000 | 42,531,000 |
| Risk-weighted assets | 258,006,000 | 264,859,000 | 278,273,000 | 290,643,000 |