Call reports 2015
MAINSTREET BANK — 2015
What MAINSTREET BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 359,272,000 | 375,578,000 | 480,971,000 | 478,250,000 |
| Total loans | 290,000,000 | 308,462,000 | 393,073,000 | 401,974,000 |
| Allowance for loan losses | 2,889,000 | 3,062,000 | 3,746,000 | 3,682,000 |
| Securities available for sale | 27,582,000 | 29,851,000 | 36,316,000 | 33,657,000 |
| Securities held to maturity | 15,934,000 | 15,910,000 | 17,282,000 | 18,857,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 317,269,000 | 332,693,000 | 388,422,000 | 385,554,000 |
| Interest-bearing deposits | 252,091,000 | 260,449,000 | 315,763,000 | 317,146,000 |
| Noninterest-bearing deposits | 65,178,000 | 72,244,000 | 72,659,000 | 68,408,000 |
| Equity capital | 40,210,000 | 40,659,000 | 41,115,000 | 42,124,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,105,000 | 8,263,000 | 12,961,000 | 18,031,000 |
| Interest expense | 545,000 | 1,062,000 | 1,673,000 | 2,342,000 |
| Net interest income | 3,560,000 | 7,201,000 | 11,288,000 | 15,689,000 |
| Noninterest income | 203,000 | 416,000 | 763,000 | 1,008,000 |
| Noninterest expense | 2,979,000 | 5,948,000 | 9,075,000 | 12,347,000 |
| Provision for loan losses | 302,000 | 580,000 | 1,355,000 | 1,500,000 |
| Pretax income | 696,000 | 1,303,000 | 1,835,000 | 3,064,000 |
| Income tax | 231,000 | 432,000 | 611,000 | 894,000 |
| Net income | 465,000 | 871,000 | 1,224,000 | 2,170,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,314,000 | 40,659,000 | 41,095,000 | 42,276,000 |
| Total capital | 43,203,000 | 43,721,000 | 44,841,000 | 45,958,000 |
| Risk-weighted assets | 281,074,000 | 305,724,000 | 399,511,000 | 410,064,000 |